Universal Banker - FT

Floridacentral CU; Bradenton (FL); On-site; USD 32,000 - 48,000; Full time

Job summary

Floridacentral Credit Union is seeking a Universal Banker at the Bradenton Branch to deliver excellent member service, conduct teller transactions, and support sales of credit union products. The role emphasizes accuracy, compliance, and contributing to deposits and loan growth within the region.

The Universal Banker will collaborate with the operations and sales teams, maintain essential controls, and stay informed on current promotions and competitor offerings to benefit members.

Qualifications

• Experience in banking operations and customer service.
• Ability to open new memberships and deposit/loan accounts with compliance checks.
• Familiarity with deposit/loan products and service standards.

Responsibilities

• Open new memberships, deposits and loan accounts and perform background checks per BSA/OFAC.
• Offer bank products/services to meet member needs and grow relationships.
• Process teller transactions and cash vault duties accurately.
• Explain loan options and prepare loan documentation for closing.
• Provide accurate rate information and maintain branch logs and controls.
• Troubleshoot member inquiries and resolve issues promptly.
• Analyze member financial status to determine suitable loan options.
• Comply with all bank policies, laws and regulations.

Skills

Customer service

Teller transactions

Cash handling

Sales & cross-sell

Compliance

Banking product knowledge

Tools

Online banking terminal

Core banking system

Job description

Universal Banker - Bradenton Branch

Role

This position is the Customer Ambassador for the financial institution within their assigned Region. The incumbent's overall purpose is providing quality and efficiency to members, often through digital or electronic interfaces. Universal Banker is responsible for conducting teller transactions and cash vault transactions in an accurate and timely manner. The incumbent is also responsible for the sales and servicing of all bank products and services. The incumbent works with the operations and sales team to achieve personal goals in the areas of deposit growth, business relationship growth, and consumer relationship growth. The incumbent also maintains current knowledge of competitor products, services, and current promotions. The incumbent is also responsible for providing operational support and exceptional customer service while maintaining essential controls and safeguards.

Major Duties and Responsibilities:

• Open new memberships, deposits and loan accounts for new members. Conduct new member background checks in compliance with BSA and OFAC regulations which include, OFAC Check, IDV, Check Systems and Credit Bureau. Provide new account disclosures in compliance with Federal Regulations. Ensure that all required legal documentation is collected and reviewed prior to the opening of a non-personal account.
• With a good understanding of the credit union products/services and the member’s current relationship, offers information on credit union products and services that can benefit the member and enhance their banking relationship. Evaluates the needs of potential members and offers appropriate financial products and services.
• Receives checks and cash for deposit to savings and checking accounts, verifies deposit amounts, examines checks for endorsement and negotiability, and posts transactions into bank records via an on-line terminal.
• Cashes check and pays money from savings and checking account upon verification of signatures and customer account balances.
• Explain the various types of loans and credit options that are available, as well as the terms of those services to members. Accurately prepare and review supporting documentation and all loan documentation prior to the closing of the loan according to policy. Book loans into core system once loan documents have been signed by the member. Communicate loan decisions to members within the established service standard.
• Perform service and maintenance to membership accounts. Provide rate information on all deposit and consumer lending products offered by Floridacentral Credit Union. Notarize documents. Perform Vault Management and ATM Balancing duties as assigned. Ensure all branch logs are completed accurately and timely.
• Troubleshoots and resolves member and internal inquiries in a timely, professional and accurate manner. Informs and advises customers of status or enhancements to current account productivity and suggests resolution on account disputes and other account activity.
• Analyze member's financial status, credit, and collateral to determine the best loan and credit options for the member as well as feasibility of the loan request
• Must comply with all company policies and procedures, applicable laws and regulations, including but not limited to, the Bank Secrecy Act, the Patriot Act, and the Office of Foreign Assets Control.