Universal Representative

Performs a broad variety of member service functions such as opening and closing accounts, trouble shooting and issuing plastic cards, and actively cross selling Essential Credit Union products and services, etc. Provides excellent customer service and performs the Perfect Teller transaction for all members. Processes deposits, transfers, withdrawals, and other transactions in accordance with policies and procedures; must always be aware of fraud loss and check cashing guidelines as well as other security and transaction documentation requirements.

Responsible for the security of assigned cash which must be maintained and balanced within established guidelines. Achieves monthly sales goals for cross selling credit union products.

• Maintains exceptional level of Member Service.
• Cross sells products Essential Credit Union by explaining various services available and assists members in selecting these services.
• Performs member services such as ordering checks, processing ACH Forms, processing and selling cashier’s checks.
• Verifies and processes alterations to existing deposit accounts. May process stop payments and holds.
• Assists members in understanding statements, perform interest calculations and resolve statement related issues.
• Deescalates problem situations in a productive way, along with following-through to ensure the issue has been satisfactorily resolved.
• Submits all member-related documents to the correct department in a timely manner.
• Exercises discretion and confidentiality always.
• Ensures branch compliance with audit, policy, procedures, and loss prevention.
• Stays abreast of Essential Credit Union policies, procedures, and services.
• Assumes responsibility for performing the Perfect Teller Transaction.
• Performs member transactions, including but not limited to deposits, withdrawals, cash advances, loan and VISA payments, transfers, and check cashing.
• Processes cash advances, travelers’ checks, official checks, issues temporary checks, saving bonds and wires.
• Process mailed payments, deposits, and payoffs.
• Updates ATM and Debit card, night drop, open and closing, over and short, key box logs daily.
• Ensures all checks are processed through imaging software timely and accurately.
• Verifies transactions.
• Monitors deposit amounts and examines documents for endorsement and negotiability.
• Balances daily transactions and verifies cash totals.
• Investigates and resolves out-of-balance conditions.
• Cross-sells credit union products and services.
• Provides account information, and quotes credit union rates.
• Fills out CTR and SARS reports as needed.
• Answers questions and solves member problems regarding account and loan information.
• Maintains and projects Essential FCU’s professional reputation and privacy of account information.
• Assists other personnel and staff as needed.
• Keeps supervisor informed of area activities and of any significant problems or concerns.
• Completes required reports and records accurately and promptly.
• Attends meetings and training as required.
• Maintains a clean, secure, and organized work area.
• Stays abreast of all policy changes and revisions.
• Attends annual robbery and security training.
• Secures the drawer keys.
• Follow Bank Secrecy Act, Consumer Identification Policy, and OFAC policies.

• Maintain exceptional level of Member Service
• Perform member services such as ordering checks, processing ACH Forms, processing and selling cashier’s checks.
• Process transactions accurately and efficiently.
• Deliver quality service to membership and colleagues consistently.
• Adhering to BSA and OFAC regulations.
• Always adhere to member confidentiality rules and displays professionalism.
• Must be reliable and punctual.

Previous banking/credit union experience. Previous customer or member service experience. Previous cash handling experience.

• Maintain knowledge of Microsoft Office Products (word, excel, and office).
• Use of desktop computers.
• Working knowledge of other core systems.
• Annual training to ensure compliance with NCUA…