Universal Banker

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.

• 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.

• 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…