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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.

Compensation & Benefits: This position pays $23.00 per hour. Georgia's Own Credit Union offers a competitive benefits package, including medical, dental, vision, and 401(k) matching.

ESSENTIAL DUTIES AND RESPONSIBILITIES:

• 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.
• Receives and processes financial transactions including deposits, withdrawals, check cashing, loan/credit card payments and loan advances, issuing savings/cashier’s checks, and redeeming savings bonds.
• Personally, maintains a balancing record in accordance with the teller balancing standards.
• Must be familiar with Credit Union policies and procedures in order to effectively handle/direct problems, complaints, and special situations while remaining compliant.
• Performs a variety of miscellaneous tasks including but not limited to: balancing ATM, executing branch capture, completing branch recap(s), maintenance of member accounts, processing night depository transactions and acting as the vault teller.
• Demonstrate full working knowledge of all branch technology and systems, including but not limited to 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.
• Opens and closes Consumer and Business Membership accounts.
• Performs all duties necessary to help members with account maintenance and concern/problem resolutions related to membership.
• Notarizes, if authorized.
• Processes loan applications through appropriate system(s). Notifies members of loan decisions,
• processes and reviews documentation, delivers, and witnesses signing of loan documents.
• Perform teller transactions by running teller cashbox as needed.
• Assess each member’s financial needs through thoughtful, consultative questions, and recommend deposit products (checking, savings, IRAs, CDs, etc.) that best align with their goals.
• Go beyond transactional processes by collaborating with internal experts to provide creative solutions to members’ needs, resolving issues and improving their overall financial well-being.
• Document member interactions and financial needs in the IRM system, ensuring that follow-up is timely and relevant to their current or future needs.
• Educate members on the full range of services available, explaining the credit union difference and how it benefits their membership, while ensuring they understand when and how to utilize these services.
• Take a consultative approach to lending by asking questions to identify suitable loan products for members’ needs, including personal loans, auto loans, and mortgages.
• Gather necessary member information and submit accurate loan documentation that meets all compliance requirements, working closely with centralized lending teams.
• Maintain an organized follow-up plan in the IRM system, ensuring timely communication with members regarding loan statuses or any additional service needs.
• Participate in ongoing training and development to enhance your skills in universal banking, customer service, and compliance requirements.
• Ensure all financial transactions and loan applications adhere to the Credit Union’s 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, as necessary to members including transactions, disseminating information, problem resolution and applicable product/service suggestions.
• Perform other duties as may be assigned.

EDUCATIONAL AND WORK EXPERIENCE REQUIREMENTS:

• High school diploma and equivalent years of experience. Bachelor’s degree preferred.
• One to three years’ experience in a financial branch environment or experience comparable within the financial industry or a retail sales environment.
• Provide coverage at other branches when necessary and work Saturday rotation schedule.
• Ability to communicate with members and others at all levels of the Credit Union, in both written and verbal formats.
• Experience with the loan application process and standard or typical internal operating policies and procedures.
• Knowledge of current industry offers, market trends, competitors, and Credit Union lending and member service policies and procedures.
• Demonstrates the ability to interpret and apply financial information (e.g., credit scores, debt, assets, balances, payments, interest rates, etc.) and perform math functions (e.g., addition, subtraction, multiplication, division, percentages, ratios, etc.).
• Demonstrates analytical thinking, problem solving, decision making, and judgment by gathering and applying relevant data to research and resolve issues.
• Working knowledge of Microsoft Word, Excel and Power Point software applications.
• Candidates must be able to pass a background check including: Credit, Drug Screen, Bondability, & Criminal Background.

ADDITIONAL/IMPORTANT SKILLSETS:

• Member Focus – builds member confidence, is committed to increasing member satisfaction, sets achievable member expectations, assumes responsibility for solving members problems, ensures commitments to members are met, solicits opinions and ideas from members, responds to internal customers
• Acting with Integrity - Clearly states goals and beliefs; lets people know his/her true intentions; does what he she said they would do; follows through on commitments
• Teamwork - Has good listening skills; interacts with people effectively and builds strong relationships within own team and across groups; is flexible/open-minded; meets deadlines and responsibilities; listens to others and values opinions; helps team leader to meet goals; puts group goals ahead of own goals; promotes a positive team atmosphere. Solicits performance feedback and handles constructive criticism.
• Dependability - Reliable to team and credit union; completes work in a timely and consistent matter; meets commitments; works independently and as part of the greater team; takes personal responsibility for job performance and accepts accountability; handles change; sets personal standards; stays focused under pressure; meets attendance/punctuality requirements.
• Work Standards - Sets and maintains high performance standards; pays close attention to detail, accuracy and completeness of work; is committed to excellence; shows concern for all aspects of the job and follows up on work outputs; looks for improvements continuously and owns/acts on challenges and pro-actively recommends solutions
• Decision Making/Judgement - Makes sound decisions that impact and support the business, financial or otherwise.
• Recognizes problems and responds, systematically gathers information, sorts through complex issues, seeks input from others, addresses root cause of issues, makes timely decisions, can make difficult decisions, uses consensus when appropriate, and communicates decisions to others.

PHYSICAL REQUIREMENTS:

To perform this job successfully, the employee must be able to perform each essential job duty satisfactorily. All employees must be able to communicate face to face or through technology with or without reasonable accommodation. Employee will be in an office environment (well-lighted, heated, and air-conditioned) typically stationed at a desk or table. Employee will be asked to sit and stand for various increments of time, and to lift/push up 10 lbs. Clerical office duties on various forms of technology are required. Reasonable accommodations may be made to enable individuals with disabilities to perform the essential job functions.

All positions that have lending responsibilities must comply with all requirements under the SAFE ACT, as well as the Credit Union’s policies and procedures related to the SAFE ACT. This includes an obligation on the employee’s part to ensure that NMLA registration pertaining to the SAFE ACT is kept current. The employee must notify the Credit Union within 30 days of any changes that need to be reflected on the NMLS registry.

Georgia’s Own Credit Union is an equal opportunity employer and will not discriminate against any employee or applicant on the basis of age, color, disability, gender, national origin, race, religion, sexual orientation, veteran status, or any classification protected by federal, state, or local law. Consistent with obligations under federal law, every company that is a federal contractor or subcontractor is committed to taking affirmative action to employ and advance women, minorities, disabled veterans, special disabled veterans, veterans of the Vietnam era, and other eligible veterans.

We are an equal opportunity employer. Employment selection and related decisions are made without regard to sex, race, age, disability, religion, national origin, color or any other protected class.