Universal Associate

Default; Cartersville (GA); On-site; USD 40,000 - 48,000; Full time

Job summary

Georgia United Credit Union in Cartersville is seeking a member service representative to provide exceptional service. This role involves welcoming members, assisting with account needs, and processing loans.

The ideal candidate will have at least one year of customer service experience and proficiency in MS Office. Join a team dedicated to fostering a diverse and inclusive workplace while supporting members’ financial needs.

Qualifications

• 1 year of experience in a service-oriented role is required.
• Computer proficiency with MS Office, including Word, Excel, and PowerPoint, is required.
• Previous cash-handling experience in a financial institution is preferred.

Responsibilities

• Welcome members and create a positive member experience.
• Offer credit union services and assist with member account discrepancies.
• Evaluate and verify loan applications and credit criteria.
• Process transactions and maintain branch operational duties.

Skills

Member-first Mentality

Customer Service

Interpersonal Skills

Time Management

Critical Thinking

Team Player

Education

High School or better

Job description

Georgia United Credit Union regularly evaluates market data to establish salary ranges that enable us to offer the best, competitive compensation package for our positions. Individual compensation packages are based on various factors unique to each candidate, including skill set, experience, qualifications, internal alignment and other job-related factors.

Starting salary $20.00 per hour depending on experience and qualification.

• 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.

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.

Equal Employment Opportunity (EEO)

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.

Qualifications

Skills

Required

Member-first Mentality Advanced

Customer Service Advanced

Advanced

Interpersonal Skills Advanced

Time Management Intermediate

Critical Thinking Intermediate

Team Player Intermediate

Behaviors

Required

Detail Oriented : Capable of carrying out a given task with all details necessary to get the task done well

Team Player : Works well as a member of a group

Education

Required

High School or better.

Experience

Required

1 year: • At least one year of experience in a service-oriented role.

1 year: • Computer proficiency with MS Office, including Word, Excel and PowerPoint, Internet, and Email.

Preferred

• Previous cash-handling experience in a financial institution is preferred.

equals Opportunity Employer/Protected Veterans/Individuals with Disabilities
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.