Universal Associate

Family Trust FCU; Rock Hill (SC); On-site; USD 17,000 - 23,000; Full time

Job summary

Family Trust FCU is seeking a Universal Associate to serve as the primary point of contact for members, delivering exceptional service and building financial relationships.

The role combines teller operations, member service, and sales to provide comprehensive financial solutions through meaningful member interactions. You will accurately process transactions, educate on products, and support branch goals.

Qualifications

• High school education or GED.
• Minimum of one year of customer service and cash handling experience.
• Strong verbal and written communication skills.
• Ability to foster relationships and influence others.
• Proficiency with computer systems and Microsoft Office applications.

Responsibilities

• Process deposits, withdrawals, loan payments, transfers, cash advances, and other financial transactions.
• Balance cash drawer daily and maintain established cash limits.
• Verify member identity and adhere to security procedures and regulatory requirements.
• Process official checks, money orders, wire requests, and other account-related services.
• Promote and cross-sell deposit accounts, loans, credit cards, and digital banking services.
• Generate referrals to mortgage, investment, business services, and lending specialists.
• Meet or exceed individual and branch sales, service, and referral goals.
• Assist members with account maintenance, debit cards, online banking enrollment, and account documentation.

Skills

Customer service

Cash handling

Sales / relationship-building

Verbal communication

Written communication

Multitasking

MS Office

Education

High School Diploma or GED

Job description

The Universal Associate serves as the primary point of contact for members, delivering exceptional service and building strong financial relationships. This role combines teller operations, member service, and sales responsibilities to provide comprehensive financial solutions through meaningful member interactions. The Universal Associate accurately processes financial transactions, assesses member needs, educates members on products and services, and supports branch growth and performance goals. The Universal Associate supports branch goals by enhancing the member experience, promoting financial well-being, and strengthening member loyalty.

• Resolve member concerns promptly with professionalism and empathy.
• Educate members on digital banking services, self-service tools, and financial wellness resources.
• Accurately process deposits, withdrawals, loan payments, transfers, cash advances, and other financial transactions.
• Balance cash drawer daily and maintain established cash limits.
• Verify member identity and adhere to all security procedures and regulatory requirements.
• Process official checks, money orders, wire requests, and other account-related services.
• Maintain transaction accuracy and minimize operational risk.
• Conduct needs-based conversations to identify and recommend appropriate products and services.
• Promote and cross-sell deposit accounts, loans, credit cards, digital banking services, and other credit union products.
• Generate referrals to mortgage, investment, business services, and lending specialists.
• Meet or exceed individual and branch sales, service, and referral goals.
• Participate in outbound member outreach and follow-up activities.
• Assist members with account maintenance, debit cards, online banking enrollment, and account documentation.
• Explain account features, fees, disclosures, and membership benefits.
• Support branch operational goals, service standards, and team initiatives.
• Participate in training, professional development, and branch meetings.
• Other job duties as assigned.

Qualifications/Experience:

• Education: A high school education or GED.
• Experience: Minimum of one year of customer service experience; cash handling required. Sales or relationship-building experience preferred.

Other Skills:

• Strong verbal and written communication skills.
• Ability to foster relationships and influence others.
• Ability to manage multiple priorities in a fast-paced environment.
• Excellent interpersonal, problem-solving, and member service skills.
• Proficiency with computer systems and Microsoft Office applications.

Physical Requirements: Ability to lift 30 pounds.

Qualifications

Behaviors

Required

Team Player

Works well as a member of a group

Education

Required

High School or better.

Experience

Required

1 year

Minimum of one year of customer service and cash handling experience.

Equal Opportunity Employer
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