Universal Banker I

Summary The Universal Banker I combines the roles of a teller and seller to provide exceptional service to both members and potential members. You will serve as a knowledgeable resource, assisting with a wide range of financial needs, including account openings, transactions, loans, and other credit union services. Responsibilities Greet members in a welcoming manner and ensure they feel valued and connected to Georgia’s Own Credit Union, whether in person, over the phone, or digitally. Receive and process financial transactions including deposits, withdrawals, check cashing, loan/credit card payments, loan advances, issuing savings/cashier's checks, and redeeming savings bonds. Maintain a balancing record in accordance with teller balancing standards. Be familiar with Credit Union policies and procedures to effectively handle problems, complaints, and special situations while remaining compliant. Perform miscellaneous tasks such as balancing the ATM, executing branch capture, completing branch recaps, maintaining member accounts, processing night depository transactions, and acting as the vault teller. Demonstrate full working knowledge of branch technology and systems, including ATMs, Cash Recyclers, Debit Card Instant Issue, Check Scanning, ITMs, and Glory Teller Machines. Support and contribute to satisfactory branch operational ratings and corporate audits while complying with federal, state, and local laws. Open and close Consumer and Business Membership accounts. Perform all duties necessary to help members with account maintenance and issue resolution related to membership. Notarize documents if authorized. Process loan applications through appropriate system(s), notify members of loan decisions, review documentation, deliver and witness signing of loan documents. Perform teller transactions by running teller cashbox as needed. Assess each member’s financial needs through consultative questions and recommend deposit products (checking, savings, IRAs, CDs, etc.) that align with their goals. Collaborate with internal experts to provide creative solutions to members’ needs, resolving issues and improving their overall financial well‑being. Document member interactions and financial needs in the IRM system, ensuring timely follow‑up. Educate members on the range of services available, explaining the credit union difference and how to utilize these services. Take a consultative approach to lending by asking questions to identify suitable loan products and submit accurate documentation that meets all compliance requirements. Maintain an organized follow‑up plan in the IRM system for loan statuses and additional service needs. Participate in ongoing training and development to enhance universal banking, customer service, and compliance skills. Ensure all financial transactions and loan applications adhere to operational procedures, regulatory standards, and risk management protocols. Collaborate with branch team members to improve efficiency, increase member satisfaction, and maintain a high standard of service. Provide inbound and outbound telephone services, including transactions, information dissemination, problem resolution, and product/service suggestions. Perform other duties as may be assigned. Qualifications High school diploma (equivalent) required; Bachelor’s degree preferred. One to three years’ experience in a financial branch environment or comparable retail sales environment. Ability to provide coverage at other branches and work a Saturday rotation schedule. Excellent communication skills with members and colleagues at all levels, both written and verbal. Experience with loan application processes and internal operating policies. Knowledge of current industry offers, market trends, competitors, and Credit Union lending and member service policies. Demonstrated ability to interpret and apply financial information (credit scores, debt, assets, balances, payments, interest rates, etc.) and perform basic math functions. Analytical thinking, problem solving, decision making, and judgment skills to research and resolve issues. Working knowledge of Microsoft Word, Excel, and PowerPoint. Must pass a background check including credit, drug screen, bondability, and criminal background. Skill Sets Member Focus – build member confidence, increase satisfaction, meet member expectations, solve problems, and listen to feedback. Integrity – communicate goals, follow through, and act honestly. Teamwork – effective listening, building relationships, flexibility, meeting deadlines, and promoting a positive team atmosphere. Dependability – reliability, timely completion, acceptance of accountability, and focus under pressure. Work Standards – attention to detail, accuracy, continuous improvement, and proactive solutions. Decision Making – systematic information gathering, root-cause analysis, timely decisions, and consensus communication. Physical Requirements Must be able to perform each essential job duty satisfactorily, communicate face to face or via technology, be stationed at a desk or table, sit and stand for varied intervals, lift/push up to 10 lbs, and handle clerical tasks on technology. Reasonable accommodations may be made to enable individuals with disabilities to perform the essential functions. All lending responsibilities must comply with SAFE Act requirements and NMLS registration obligations. EEO Statement Georgia’s Own Credit Union is an equal‑opportunity employer and will not discriminate against any employee or applicant on the basis of age, color, disability, gender, national origin, race, religion, sexual orientation, veteran status, or any other classification protected by federal, state, or local law. Employment selection and related decisions are made without regard to sex, race, age, disability, religion, national origin, color or any other protected class. #J-18808-Ljbffr