Universal Banker

Reports to: Branch Manager Supervises: 0 (Direct) 0 (Indirect) Starting Wage: $17.00 per hour Essential Functions Assist branch in meeting performance standards monthly in addition to meeting individual performance standards monthly. Interview members and process applications for all types of consumer loans; review application and documentation for completeness and accuracy according to credit union compliance guidelines. Conduct all member account functions, including processing new service requests, providing counseling, and cross‑selling appropriate credit union products or services to benefit the member and achieve established sales goals. Assist members with opening and closing accounts, answer questions about products and services, and resolve problems within authority; refer issues beyond authority to supervisor with recommendations. Accurately receive, inspect and verify cash and negotiable instruments for deposit, accept loan payments and other monetary transactions as directed and in accordance with established policies and procedures; balance transaction input at the end of each workday. Maintain regular and predictable attendance. Perform additional job duties as assigned by the manager. Education / Experience A high school education or GED. One year to three years of similar or related experience. Other Skills and Abilities Upholds Y12 Federal Credit Union’s culture and core values. Courtesy, tact, and diplomacy are essential; work involves personal contact with others inside and outside the organization to build relationships or solicit cooperation. Ability to accurately process account entries and transactions, write routine reports and construct basic professional and grammatically correct correspondence. Effective communication with members and employees; ability to read and interpret basic forms and documents, operating and maintenance instructions and procedure manuals. Mathematical proficiency: add, subtract, multiply, divide in all units; compute rates, ratios and percentages. Apply reasonable understanding to carry out instructions in written, oral or diagram form. Problem solving in variable situations and maintaining flexibility while focusing on accepted practices, policies, productivity and effectiveness. Maintain a positive attitude with employees and members. Performance Measurements Within established levels of authority, process member financial transactions, resolve problems, and answer questions regarding Y-12 Federal Credit Union products and services. Participate in branch/department and staff meetings to stay aware of organizational issues and promotional campaigns; remain current on policy, procedure, compliance and product development changes. Attend continuing education classes to enhance job knowledge and performance; take initiative for personal career development and seek opportunities to learn new skills. Service Standards Own the Issue Build confidence that you will help through words and actions. Minimize team/member effort. Personalize the experience. Show care for the person and the issue. Adapt to the team/member’s pace, style, and emotional tone. Be authentic, genuine, and present in conversation to avoid sounding mechanical. Understand, then solve; aim for one‑call resolution; address underlying issues rather than just requests; be clear on next steps. Be curious to exceed expectations, pick up cues indicating other needs, and engage in conversation to discuss broader needs; help member access additional resources, products and services for more value. Physical Demands The physical demands described here are representative of those that must be met to successfully perform this job. While performing the duties, the employee is regularly required to talk, hear, and sit. This position requires standing, walking, bending, kneeling, stooping, and crouching. The employee may occasionally lift and/or move items over 15 pounds. Specific vision abilities required include close vision, distance vision, color vision, peripheral vision, depth perception and the ability to adjust focus. Work Environment The employee may be exposed to mild to moderate stress levels associated with job duties. EEO and Equal Opportunity We are an EEO Employer. All descriptions have been reviewed to ensure that only essential functions and basic duties have been included. Peripheral tasks only incidentally related to the position have been excluded. Requirements, skills, and abilities included have been determined to be the minimum standards required to successfully perform the role. In no instance should the duties, responsibilities, and requirements delineated be interpreted as all‑inclusive. Supervisors may assign additional functions and requirements as appropriate. In accordance with the Americans with Disabilities Act, requirements may be modified to reasonably accommodate disabled individuals. No accommodations that pose serious health or safety risks or impose undue hardship on the organization will be made. Job descriptions are not intended to create employment contracts. The organization maintains its status as an at‑will employer. Employees can be terminated for any reason not prohibited by law. #J-18808-Ljbffr