Universal Branch Representative

Universal Branch Representative

The Universal Branch Representative performs the duties of both a Teller and Member Service Representative. This role is vital in delivering an exceptional member experience while supporting branch sales and service strategies.

• Establish member relationships through quality service and cross‑sell VACU products/services to meet member needs.
• Handle each transaction proficiently and accurately, exercising good judgment and seeking approval for any transaction exceeding assigned authority levels.
• Perform paying and receiving functions with accurate balancing and reporting (deposits, check cashing, loan payments, miscellaneous sales, cash advances, etc.).
• Disburse cash accurately and maintain a cash drawer, balancing it daily.
• Verify and balance the assigned cash drawer daily; assist in reconciling errors or discrepancies; maintain adequate cash limits per VACU policy.
• Evaluate needs of existing and prospective members and make daily referrals to Member Service Representatives.
• Open memberships and all types of deposit accounts.
• Provide assistance and maintenance on all deposit and loan accounts.
• Apply referral‑based lending knowledge and assess each member’s financial needs to identify cross‑sell opportunities.
• Make appropriate referrals to deepen member relationships.
• Engage members and prospective members in a professional and courteous manner in person and over the phone.
• Demonstrate flexibility around the daily needs of the members and the branch.
• Possess leadership skills to self‑manage and guide co‑workers and lobby.
• Know all VACU policies and procedures related to the platform and teller line, including security and information security.
• Handle member transactions quickly and efficiently, maintaining courteous service.
• Maintain knowledge of all VACU products and services.
• Answer phone inquiries professionally and accurately.
• Perform follow‑up and courtesy calls to members.
• Meet all teller and MSR performance documentation expectations.
• Support business and individual member service and sales goals.
• Notary certification required; stay informed on notary rules and regulations.
• Comply with enterprise‑level policies and complete all required training (BSA, OFAC, Information Security, etc.).
• Develop and maintain knowledge of applicable federal and state regulations, loan documents, systems, credit reports and related lending documents.
• Other duties may be assigned by supervisor.

• High school diploma or equivalent. Some college education or business courses preferred.
• Customer/member service experience, preferably at a financial institution.
• Cash handling/business experience at a financial institution.
• Knowledge of TCD transaction and settlement procedures.
• Comprehensive knowledge of products and services offered by financial institutions.
• Computer skills required.
• Positive communication and public relations skills, cross‑selling, problem solving, interpersonal skills.
• Sound judgment, ability to handle difficult situations and multiple tasks.
• Professional appearance and manner.

Ability to sit and stand for long periods. Occasionally lift up to 50 pounds and/or up to 30 pounds frequently.

• Seniority level:
  Associate
• Employment type:
  
  Full‑time
• Industry: Banking