Universal Banker

Responsibilities Assist branch in meeting monthly performance standards and maintain individual performance standards. Interview members, process applications for all types of consumer loans, and review application documentation for completeness and accuracy according to credit union compliance guidelines. Conduct all member account functions: process requests for new services, provide counseling, and cross‑sell 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 or refer 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; balance transaction input at end of each workday. Maintain regular and predictable attendance. Perform additional job duties as assigned by the manager. Qualifications High school education or GED. One to three years of similar or related experience. Other Skills And Abilities Upholds Y12 Federal Credit Union’s culture and core values. Courteous, tactful, and diplomatic; builds relationships and solicits cooperation. Accurately processes account entries and transactions, writes routine reports, and constructs professional and grammatically correct correspondence. Communicates effectively with members and employees; reads and interprets basic forms, documents, and procedure manuals. Performs basic arithmetic (addition, subtraction, multiplication, division, percentages, ratios). Applies reasonable understanding to carry out written, oral, or diagram guidance. Manages problems involving variables. Maintains a positive attitude, remains flexible, and follows accepted practices, policy, productivity, and effectiveness. Performance Measurements Within established authority, process member financial transactions, resolve problems, and answer questions regarding Y-12 Federal Credit Union products and services. Actively participate in branch/department and staff meetings to stay informed on 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, provide exceptional service to members, take initiative for personal career development, and seek opportunities to learn new skills. Service Standards Own the Issue – Build confidence through words and actions; minimize team/member effort. Personalize the Experience – Show care for the person and issue; adapt to pace, style, and emotional tone; be present to avoid sounding mechanical. Understand, then Solve – Aim for one‑call resolution; address underlying issue rather than just the request; be crystal clear on next steps. Be Curious to Exceed Expectations – Identify cues indicating other needs; engage in conversation to discuss broader needs; help members access additional resources, products, and services for added value. Physical Demands The position requires regular speaking, hearing, and sitting. It also involves standing, walking, bending, kneeling, stooping, and crouching. Occasional lifting or moving of items over 15 pounds may be required. Vision requirements include close vision, distance vision, color vision, peripheral vision, depth perception, and focus adjustment ability. Work Environment Employees may be exposed to mild to moderate stress levels associated with the performance of the job duties. Equal Opportunity Employer We are an EEO Employer. All descriptions have been reviewed to ensure that only essential functions and basic duties have been included. Peripheral tasks that are only incidentally related to each position have been excluded. Requirements, skills, and abilities included have been determined to be the minimal standards required to successfully perform the position. In no instance should the duties, responsibilities, and requirements delineated be interpreted as all-inclusive. Supervisors, as deemed appropriate, may assign additional functions and requirements. In accordance with the Americans with Disabilities Act, requirements may be modified to reasonably accommodate disabled individuals. However, no accommodations will be made that may pose serious health or safety risks to the employee or others or that impose undue hardships on the organization. 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