Credit Banker

If you would enjoy working in a dynamic environment and are looking for an opportunity to become part of a stellar team of professionals dedicated to service, we invite you to apply online today.

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. By building strong relationships, you’ll recommend appropriate products, resolve issues, and ensure a seamless, positive experience.

Key Benefits This role offers a base salary of $23.00 per hour, participation in the Universal Banker Incentive Program, and a comprehensive benefits package, including medical, dental, vision, and 401(k) company match.

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 and loan advances, issuing savings/cashier’s checks, and redeeming savings bonds.

Handle problems, complaints, and special situations in compliance with Credit Union policies and procedures.

Perform miscellaneous tasks such as balancing ATM, executing branch capture, completing branch recaps, maintaining member accounts, processing night depository transactions, and acting as the vault teller.

Operate all branch technology and systems, including ATMs, Cash Recyclers, Debit Card Instant Issue, Check Scanning, ITMs, and Glory Teller Machines.

Support branch operational ratings and corporate audits while complying with federal, state, and local laws.

Open and close Consumer and Business Membership accounts.

Help members with account maintenance and address membership concerns or problems.

Notarize documents when authorized.

Process loan applications through the appropriate system(s) and notify members of loan decisions.

Review documentation, deliver, and witness signing of loan documents.

Assess each member’s financial needs through consultative questions and recommend deposit products such as checking, savings, IRAs, CDs, etc.

Collaborate with internal experts to provide creative solutions to members’ needs, resolving issues and improving overall financial well‑being.

Document member interactions and financial needs in the IRM system, ensuring timely follow‑up.

Educate members on available services and explain the credit union difference and benefits.

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.

Provide inbound and outbound telephone services, including transactions, information dissemination, problem resolution, and product/service suggestions.

Qualifications High school diploma and equivalent years of experience; Bachelor’s degree preferred.

One to three years of experience in a financial branch environment or comparable retail sales environment.

Availability to provide coverage at other branches when necessary and to work a Saturday rotation schedule.

Strong communication skills in writing and speaking at all levels of the Credit Union.

Experience with the loan application process and standard internal policies and procedures.

Knowledge of current industry offers, market trends, competitors, and Credit Union lending and member service policies.

Ability to interpret and apply financial information—credit scores, balances, payments, interest rates—and perform mathematical functions.

Working knowledge of Microsoft Word, Excel, and PowerPoint.

Must be able to pass a background check including Credit, Drug Screen, Bondability, and Criminal Background.

Background Check Candidates must pass a background check that includes Credit, Drug Screen, Bondability, and Criminal Background.

Physical Requirements Work in an office environment that is well‑lighted, heated, and air‑conditioned and is typically stationed at a desk or table.

Perform clerical duties on various technology platforms.

All positions with lending responsibilities must comply with SAFE ACT requirements and maintain current NMLS registration.

Equal Opportunity and 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 protected class. The Credit Union is also committed to affirmative action for women, minorities, and veterans.

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