Universal 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.

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

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.

• 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.
• Maintain a balancing record in accordance with teller balancing standards.
• 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.
• Run teller cashbox as needed for teller transactions.
• 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.
• Adopt a consultative approach to lending, identify suitable loan products, gather member information, and submit accurate documentation in compliance with regulations.
• Maintain a follow‑up plan in the IRM system for loan status communication.
• 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 while supporting operational and safety procedures.
• 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 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,…