Universal Banker

Self-Help Credit Union; United States; On-site; USD 43,000 - 65,000; Full time

Job summary

Self-Help Credit Union in the United States is seeking a Member Services Representative to greet members, open accounts, handle cash, and advise on products. You will support consumer lending processes, provide financial counseling, and promote services to meet member needs.

You’ll work in a team-driven environment, emphasizing accuracy, service excellence, and commitment to economic opportunity in underserved communities.

Qualifications

• High school diploma or equivalent and 2+ years in retail banking with cash handling and accounts.
• Strong commitment to our mission – creating economic opportunity for traditionally underserved communities.
• Preference for teamwork and collaboration.
• Keen attention to detail.
• Knowledge of credit products including ability to approve consumer loans up to lending authority.
• Ability to organize and prioritize work.
• Excellent interpersonal and communication skills.
• Proficiency with Word and Excel.
• May travel to cover other branches and work evenings/weekends.
• English/Spanish fluency preferred.
• Willingness to work beyond normal hours.

Responsibilities

• Greet members and welcome visitors with friendly, professional service.
• Promote credit union products and services based on member needs.
• Open new membership accounts.
• Provide information in person, by phone, or email.
• Resolve inquiries and escalate issues as appropriate while liaising with staff.
• Perform account transactions including deposits, withdrawals, loan payments, and other MSR duties.
• Refer mortgage loan requests to Mortgage Loan Assistants/Officers.
• Balance cash drawer and manage vault when needed.
• Assist with mailed-in, ATM, and night deposits and balancing.
• Promote lending products and provide financial counseling as needed.
• Support branch management with filing and record retention.

Skills

Customer service

Cash handling

Interpersonal skills

Communication skills

Banking knowledge

Education

High school diploma

Tools

Word

Excel

Job description

WHO We Are:

Self-Help started in 1980 with a focus on economic inequality especially in communities that have faced systemic barriers in building wealth. At the core of what Self-Help does is a drive to create and protect ownership and economic opportunity. In other words, we’re committed to economic justice! Economic Justice means that all communities have the basic infrastructure they need to thrive, from high-quality schools to grocery stores selling fresh food resources that support opportunity at a neighborhood level regardless of demographics, income, or wealth. Since our founding, we’ve constantly sought to find new ways to pursue greater economic justice: from providing fair and affordable loans to working with partners to demand that lawmakers change unjust policies.

Job Description

Self-Help started in 1980 with a focus on economic inequality especially in communities that have faced systemic barriers in building wealth. At the core of what Self-Help does is a drive to create and protect ownership and economic opportunity. In other words, we’re committed to economic justice! Economic Justice means that all communities have the basic infrastructure they need to thrive, from high-quality schools to grocery stores selling fresh food resources that support opportunity at a neighborhood level regardless of demographics, income, or wealth. Since our founding, we’ve constantly sought to find new ways to pursue greater economic justice: from providing fair and affordable loans to working with partners to demand that lawmakers change unjust policies.

WHAT You’ll Do

MEMBER SERVICING AND CASH HANDLING

• Greet and welcome members and visitors to the credit union in a friendly and professional manner. Provide prompt, efficient, and accurate service.
• Promote credit union products and services based on members’ needs.
• Open new membership accounts.
• Provide information concerning credit union products and services in person, by telephone, or email.
• Respond to members’ inquiries and requests. Resolve problems and complaints or elevate them as appropriate while acting as a liaison between other staff and the member.
• Perform account transactions including deposits, withdrawals, loan payments, CD transactions, lines of credit advances, account transfers, imaging receipts, etc. Perform account maintenance including adding joint owners, address changes, and completing any other necessary MSR functions.
• Refer mortgage loan requests to Mortgage Loan Assistants or Mortgage Loan Officers.
• Open, balance, and close cash drawer when serving in MSR capacity. Maintain appropriate cash levels in drawers based on branch’s cash drawer limits.
• May handle Vault responsibilities including managing branch and MSR cash supply, when needed.
• Assist with mailed-in, ATM, night deposits, and/or ATM balancing, when needed.

CONSUMER LENDING

• Manage the entire consumer loan process from initiation through closing, including interviewing loan applicants, determining loan eligibility, reviewing applications for accuracy and providing timely and accurate disclosures while operating with moderate credit authority and complying with the credit union’s lending policies.
• Prepares file for underwriting by reviewing and analyzing documentation from borrowers to determine validity and authenticity; maintain communication with underwriter to provide clarification or additional information, if requested.
• Monitor processing progress to ensure loan file is ready for closing in a timely manner.
• Provide financial counseling to members at their request or when evidence indicates there are financial difficulties.
• Recommend deposit and loan products best suited to meet each member’s unique needs.

Business Development/Other

• Promote the Credit Union to individuals and groups in the community and participate in business development efforts to promote Self-Help lending products including mortgage, consumer loan, and all other products as needed.
• Perform various administrative tasks.
• Mail receipts and checks to members as indicated by policy and procedure.
• Research accounts for deposit, withdrawal, and loan-payment discrepancies.
• Act as role model for MSR staff and provide coaching and development of staff for identifying products that will meet customer needs.
• Assist branch management with filing and record retention of daily reports
• In the absence of the MSR Supervisor, may provide supervisor overrides for cash withdrawals up to $5,000.
• Supervise opening/closing procedures in supervisor and manager’s absence.
• When requested, may supervise MSR staff in the absence of the supervisor, assistant branch manager and branch manager.
• Execute other duties, responsibilities, and projects as assigned.
• Perform other duties as may be deemed necessary.

WHAT You’ll Need

• High school diploma or equivalent and a minimum of 2 years of experience in retail banking including experience in cash handling and opening accounts.
• Strong commitment to our mission – creating economic opportunity for traditionally underserved communities.
• Preference for working in organizations that place priority on teamwork and collaboration
• Keen attention to detail.
• Good knowledge and understanding of credit products including the ability to effectively and independently approve consumer loans up to lending authority.
• Ability to effectively organize and prioritize work.
• Excellent interpersonal and communication skills.
• Ability to form and maintain strong relationships with internal and external customers.
• Ability to add, subtract, multiply, and divide in all units of measure, using whole numbers, common fractions, and decimals.
• Knowledge of basic economic and accounting principles and practices, the financial markets and banking.
• Analytical and problem-solving skills.
• Proficiency with Word and Excel.
• May be required to travel to cover other branches and work evenings and weekends.
• English/Spanish fluency preferred.
• Ability and willingness to work beyond normal work hours, as needed.

Ability To Demonstrate Self-Help’s Core Values

• Mission Before Self
• Service With Excellence
• Embracing & Promoting Change
• Results Not Credit
• Diversity as a Strength
• Financial Sustainability for Mission Impact

Anticipated compensation range $43,310- 64,964

Self-Help is an equal opportunity employer. We celebrate diversity and are committed to creating an inclusive environment for all employees.

Company Disclaimer

Self-Help is committed to providing equal employment opportunities to all persons, regardless of race, religion, religious creed, color, national origin, ancestry, physical disability, mental disability, medical condition, genetic information, marital status, sex, gender, gender identity, gender expression (including transgender status), age, sexual orientation, military and veteran status, class or family status.