Universal Banker

Address:
Middlesboro Main, 1820 Cumberland Ave, Middlesboro, KY 40965, USA

• Assist branch in meeting monthly performance standards for the branch and fulfill individual performance standards monthly.
• Interview members and process applications for all types of consumer loans, reviewing application and documentation for completeness and accuracy according to credit union compliance guidelines.
• Conduct all member account functions, including processing requests for new services, providing counseling, and cross‑selling credit union products or services to benefit the member and achieve established sales goals.
• Assist members with opening and closing accounts, answer questions about products and services, and resolve problems within authority; refer unresolved issues to the supervisor with recommendations.
• Accurately receive, inspect and verify cash and negotiable instruments for deposit, accept loan payments and other monetary transactions as directed, and balance transaction input at the end of each workday.
• Maintain regular and predictable attendance.
• Perform additional job duties as assigned by the manager.

• A high school education or GED.
• One to three years of similar or related experience.

• Upholds Y12 Federal Credit Union’s culture and core values.
• Exhibits courtesy, tact, and diplomacy in all interactions.
• Processes account entries and transactions accurately and writes routine reports and professional correspondence.
• Communicates effectively with members and employees.
• Performs basic arithmetic and computes rates, ratios, and percentages.
• Applies reasonable understanding to follow instructions in written, oral, or diagram form.
• Addresses problems involving variables in varied situations.
• Maintains a positive attitude, remains flexible while focusing on accepted practices, policy, productivity and effectiveness.

• Process member financial transactions, resolve problems and answer questions within authority.
• Actively participate in branch, department, and staff meetings to stay current on policies, procedures, compliance and product development.
• Attend continuing education classes to enhance job knowledge and performance; seek opportunities to learn new skills.

• Own the Issue – Build confidence through words and actions; minimize the team/member’s effort.
• Personalize the Experience – Show care; adapt to the team/member’s pace, style, and emotional tone; be present to avoid a mechanical feel.
• Understand, then Solve – Aim for one‑call resolution; address the underlying issue; be crystal clear on next steps.
• Be Curious to Exceed Expectations – Pick up on cues indicating other needs; engage in conversation to explore broader needs; help the member access additional resources, products, and services to gain more value.

Regular speaking, hearing, sitting, standing, walking, bending, kneeling, stooping, crouching; occasional lifting or moving items over 15 pounds. Vision requirements include close, distance, color, peripheral, depth perception, and focus adjustment.

May be exposed to mild to moderate stress levels associated with job duties.

We are an EEO Employer

All descriptions have been reviewed to ensure that only essential functions and basic duties have been included. Peripheral tasks, only incidentally related to each position, have been excluded. Requirements, skills, and abilities included have been determined to be the minimal standards required to successfully perform the positions. In no instance, however, should the duties, responsibilities, and requirements delineated be interpreted as all‑inclusive.

Supervisors, as deemed appropriate, may assign additional functions and requirements.

In accordance with the Americans with Disabilities Act, it is possible that requirements may be modified to reasonably accommodate disabled individuals. However, no accommodations will be made which may pose serious health or safety risks to the employee or others or which impose undue hardships on the organization.

Job descriptions are not intended and do not create employment contracts. The organization maintains its status as an at‑will employer. Employees can be terminated for any reason not prohibited by law.

This employer is required to notify all applicants of their rights pursuant to federal employment laws. For further information, please review the Know Your Rights notice from the Department of Labor.