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. 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.
• Be familiar with Credit Union policies and procedures to handle problems, complaints, and special situations while remaining compliant.
• Perform miscellaneous tasks such as balancing ATMs, executing branch capture, completing branch recaps, maintaining member accounts, processing night depository transactions, and acting as the vault teller.
• Demonstrate full working knowledge of all 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 duties necessary to help members with account maintenance and resolve membership concerns.
• Notarize, if authorized.
• Process loan applications through appropriate system(s), notify members of loan decisions, and review documentation.
• Deliver, witness signing of loan documents, and provide post‑closing support.
• Perform teller transactions by running teller cashbox as needed.
• Assess each member’s financial needs through consultative questions and recommend suitable deposit products (checking, savings, IRAs, CDs, etc.).
• Collaborate with internal experts to provide creative solutions to members’ needs, resolve issues, and improve their overall financial well‑being.
• Document member interactions and financial needs in the IRM system, ensuring timely follow‑up.
• Educate members on the full range of services available and explain the credit union difference.
• Take a consultative approach to lending by identifying suitable loan products (personal loans, auto loans, mortgages).
  Gather necessary member information and submit accurate loan documentation that meets compliance requirements.
• Maintain an organized 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 knowledge.
• 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 high service standards 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’ experience in a financial branch environment or comparable industry.
• Provide coverage at other branches when necessary and work a Saturday rotation schedule.
• Ability to communicate with members and others at all levels in written and verbal formats.
• Experience with loan application processes and internal operating policies.
• Knowledge of current industry offers, market trends,…