Universal Associate

Georgia United Credit Union; Athens (GA); On-site; USD 30,000 - 42,000; Full time

Job summary

Georgia United Credit Union is hiring a Branch Member Service Associate to welcome and assist members, explain credit union products, and handle daily tasks such as opening and closing accounts. You will perform account research and resolve discrepancies with accuracy and courtesy.

You will also help members with technology services, troubleshoot transactions, and promote financial products aligned with our business goals. A strong customer-service mindset and teamwork are essential.

Qualifications

• High school diploma or GED required.
• At least 1 year of experience in a service-oriented role.
• Previous cash-handling experience preferred.
• Strong math skills.
• Proficiency with MS Office (Word, Excel, PowerPoint).

Responsibilities

• Welcome and direct members visiting the branch, creating a positive member experience from start to finish.
• Presents and explains credit union services and products to members, performing daily tasks such as opening and closing accounts, and conducting account research.
• Resolve member account discrepancies by performing file maintenance and making necessary account changes. Assists with the escalation of complex transactions when required.
• Informs members about credit union technology services and offerings. Assists members with troubleshooting technology-related transactions and issues.
• Maintains the credit union's professional reputation by adhering to professional standards of conduct and following credit union guidelines and policies.
• Identifies, recommends, and promotes products and services to build financial relationships in alignment with the credit union's business strategy. Counsels members regarding money management and financial matters.
• Demonstrates awareness and commitment to achieving credit union, branch, and individual goals. Uses consultative conversations to assess member needs and recommend appropriate products and services to meet or exceed these goals.
• Promotes and establishes strong, positive, and productive working relationships within the organization by committing to the company's purpose, mission, and core values.

Skills

Customer service

Math skills

Communication

Attention to detail

Education

High school diploma or GED

Tools

MS Office

Job description

• Welcome and directs members visiting the branch, creating a positive member experience from start to finish.
• Presents and explains credit union services and products to members, performing daily tasks such as opening and closing accounts, and conducting account research.
• Resolve member account discrepancies by performing file maintenance and making necessary account changes. Assists with the escalation of complex transactions when required.
• Informs members about credit union technology services and offerings. Assists members with troubleshooting technology-related transactions and issues.
• Maintains the credit union's professional reputation by adhering to professional standards of conduct and following credit union guidelines and policies.
• Identifies, recommends, and promotes products and services to build financial relationships in alignment with the credit union's business strategy. Counsels members regarding money management and financial matters.
• Demonstrates awareness and commitment to achieving credit union, branch, and individual goals. Uses consultative conversations to assess member needs and recommend appropriate products and services to meet or exceed these goals.
• Promotes and establishes strong, positive, and productive working relationships within the organization by committing to the company's purpose, mission, and core values.

Essential Duties/Responsibilities

• Welcome and directs members visiting the branch, creating a positive member experience from start to finish.
• Presents and explains credit union services and products to members, performing daily tasks such as opening and closing accounts, and conducting account research.
• Resolve member account discrepancies by performing file maintenance and making necessary account changes. Assists with the escalation of complex transactions when required.
• Informs members about credit union technology services and offerings. Assists members with troubleshooting technology-related transactions and issues.
• Maintains the credit union's professional reputation by adhering to professional standards of conduct and following credit union guidelines and policies.
• Identifies, recommends, and promotes products and services to build financial relationships in alignment with the credit union's business strategy. Counsels members regarding money management and financial matters.
• Demonstrates awareness and commitment to achieving credit union, branch, and individual goals. Uses consultative conversations to assess member needs and recommend appropriate products and services to meet or exceed these goals.
• Promotes and establishes strong, positive, and productive working relationships within the organization by committing to the company's purpose, mission, and core values.

Platinum Member Service

• Welcome and directs members visiting the branch, creating a positive member experience from start to finish.
• Presents and explains credit union services and products to members, performing daily tasks such as opening and closing accounts, and conducting account research.
• Resolve member account discrepancies by performing file maintenance and making necessary account changes. Assists with the escalation of complex transactions when required.
• Informs members about credit union technology services and offerings. Assists members with troubleshooting technology-related transactions and issues.
• Maintains the credit union's professional reputation by adhering to professional standards of conduct and following credit union guidelines and policies.
• Identifies, recommends, and promotes products and services to build financial relationships in alignment with the credit union's business strategy. Counsels members regarding money management and financial matters.
• Demonstrates awareness and commitment to achieving credit union, branch, and individual goals. Uses consultative conversations to assess member needs and recommend appropriate products and services to meet or exceed these goals.
• Promotes and establishes strong, positive, and productive working relationships within the organization by committing to the company's purpose, mission, and core values.

Compliance and Operational Standards

• Interviews and gather preliminary documents to originate, process, and close consumer loans.
• Evaluates and verifies loan applications and credit criteria. Computes debit ratios, verifies employment and income, determines collateral value and recommends loans for approval. Notifies applicants of loan decisions and requests additional information if required.
• Coordinates and processes loan closings, ensuring that each loan is promptly and properly prepared, documented, processed, and disbursed according to the credit union's loan quality standards.
• Assists in servicing loans by processing items such as payoffs, refinances, loan workout arrangements, address changes, payment extensions, collateral releases and payment due date changes.
• Processes transactions that cannot be completed through automated channels in the branch. Maintains a balancing record that meets established standards for transactions performed. Assists members with the ATM+ machines as required.
• Completes branch operational duties, including ensuring branch security procedures are followed, assisting with monthly branch audit responsibilities, assisting with the internal review checklist, and compiling reports as required.
• Assists with controlling branch cash, including balancing cash drawers, the branch vault, cash recyclers, cash orders, and balancing the ATM+ machines as required.
• Identifies and reports/escalates potentially fraudulent activity, keeping the manager informed of activities and significant concerns while maintaining member information and privacy.
• Completes special projects and other duties as assigned.

Qualifications

• High school diploma or general education degree (GED) required.
• At least one year of experience in a service-oriented role.
• Previous cash-handling experience in a financial institution is preferred.
• Strong math skills preferred.
• Computer proficiency with MS Office, including Word, Excel and PowerPoint, Internet, and Email.

Key Behaviors for Success

• Demonstrates patience and possess interpersonal skills to align to Georgia United's core values.
• Takes ownership and accountability in addressing issues and delivering exceptional service to members.
• Adaptable to change in a fast-paced member-focused environment.
• Ability to start conversations with members to educate and cross-sell products and services.
• Actively listens and proactively communicates with a sales perspective.
• Must be a team player with a collaborative approach to achieving business goals.
• Ability to think critically, be forward thinking and solutions focused.
• Strong ability to manage time efficiently.

Statement of Understanding

This job description is intended to provide a general overview of the essential duties, responsibilities, requirements, and working conditions associated with the position. It is not intended to be an exhaustive or comprehensive list of all tasks or responsibilities. The organization may assign additional duties or modify existing ones as needed, at its discretion. Job descriptions may be updated periodically to reflect business needs and organizational changes.

Reasonable accommodations may be made in accordance with the Americans with Disabilities Act (ADA) and other applicable laws, so long as such accommodations do not pose undue hardship to the organization or create significant health or safety risks.

Nothing in this job description should be construed as creating an employment contract, either expressed or implied. Employment remains at-will, meaning that either the team member or the organization may end the employment relationship at any time, for any reason not prohibited by law.

Equal Employment Opportunity

Georgia United is committed to providing equal employment opportunities and fostering a workplace where all individuals have the chance to succeed. We consider all qualified applicants for employment and advancement without regard to race, color, religion, sex, sexual orientation, gender identity, national origin, disability status, protected veteran status, or any other characteristic protected by law. We value the unique perspectives and contributions that each team member brings to our organization, believing that a diverse and inclusive workforce strengthens our credit union.

E-Verify

Georgia United participates in the U.S. Department of Homeland Security's E-Verify program. E-Verify is an online system used to confirm the eligibility of employees to work in the United States. This process involves electronically verifying the information provided by new hires against records maintained by the Department of Homeland Security and the Social Security Administration.