Universal Banker II

Georgia's Own Credit Union; Georgia; On-site; USD 28,000 - 40,000; Full time

Benefits offered by this job

Medical insurance

Dental insurance

Vision insurance

401(k) matching

Job summary

Georgia's Own Credit Union is seeking a Universal Banker II to join our team in Georgia. You will combine teller duties with selling high-quality financial solutions to members and prospects, building relationships, and resolving issues for a smooth member experience.

The role emphasizes handling deposits, loans, and account services while ensuring adherence to policies and regulations. You will engage in consultative conversations, promote products, and contribute to branch performance metrics.

Qualifications

• Experience delivering customer service in a financial setting.
• Ability to process a range of financial transactions accurately.
• Knowledge of teller systems and branch operations ideal.

Responsibilities

• Greet members and provide courteous service in person, over the phone, or digitally.
• Process deposits, withdrawals, check cashing and loan payments.
• Maintain balancing records according to standards.
• Open and close consumer and business memberships.
• Assist with loan applications and documentation per policy.
• Educate members on products and services to meet financial goals.

Skills

Customer service

Cross-selling

Cash handling

Financial transactions

Lending knowledge

Tools

IRM system

ATMs

Glory Teller Machines

Check Scanning

Job description

Job Description

If you would enjoy working in a dynamic environment and are looking for an opportunity to become part of a stellar team of professionals dedicated to service, we invite you to apply online today.

Job Description

SUMMARY: The Universal Banker II combines the roles of a teller and seller to provide exceptional service to both members and potential members. You will serve as a knowledgeable resource, assisting with a wide range of financial needs, including account openings, transactions, loans, and other credit union services. By building strong relationships, you’ll recommend appropriate products, resolve issues, and ensure a seamless, positive experience.

Compensation & Benefits: This position pays $25.00 per hour. Georgia's Own Credit Union offers a competitive benefits package, including medical, dental, vision, and 401(k) matching.

ESSENTIAL DUTIES AND RESPONSIBILITIES:

• Greet members in a welcoming manner and ensure they feel valued and connected to Georgia’s Own Credit Union, whether in person, over the phone, or digitally.
• Receives and processes financial transactions including deposits, withdrawals, check cashing, loan/credit card payments and loan advances, issuing savings/cashier’s checks, and redeeming savings bonds.
• Personally, maintains a balancing record in accordance with the balancing standards.
• Must be familiar with Credit Union policies and procedures in order to effectively handle/direct problems, complaints, and special situations while remaining compliant.
• Performs a variety of miscellaneous tasks including but not limited to: balancing ATM, executing branch capture, completing branch recap(s), maintenance of member accounts, processing night depository transactions and acting as the vault teller.
• Perform teller transactions by running teller cashbox as needed.
• Demonstrate full working knowledge of all branch technology and systems, including but not limited to ATMs, Cash Recyclers, Debit Card Instant Issue, Check Scanning, ITMs and Glory Teller Machines.
• Support and contribute to satisfactory branch operational ratings and corporate audits while complying with federal, state and local laws
• Opens and closes Consumer Membership and Business Membership accounts.
• Performs all duties necessary to help members with account maintenance and concern/problem resolutions related to membership.
• Notarizes and/or guarantees signatures, if authorized.
• Processes loan applications through appropriate system(s). Notifies members of loan decisions,
• processes and reviews documentation, delivers, and witnesses signing of loan documents.
• If authorized to do so, approves checks, file maintenances and performs supervisory overrides.
• Assess each member’s financial needs through thoughtful, consultative questions, and recommend deposit products (checking, savings, IRAs, CDs, etc.) that best align with the member’s goal. Educate members on the full range of services available, explaining the credit union difference and how it benefits their membership, while ensuring they understand when and how to utilize these services.
• Go beyond transactional processes by collaborating with internal experts to provide creative solutions to members’ needs, resolving issues and improving their overall financial well-being.
• Document member interactions and financial needs in the IRM system, ensuring that follow-up is timely and relevant to their current or future needs.
• Take a consultative approach to lending by asking questions to identify suitable loan products for members’ needs, including personal loans, auto loans, and mortgages.
• Gather necessary member information and submit accurate loan documentation that meets all compliance requirements, working closely with centralized lending teams.
• Maintain an organized follow-up plan in the IRM system, ensuring timely communication with members regarding loan statuses or any additional service needs.
• Continuously stay informed about industry trends, lending regulations, and market conditions to offer members the most up-to-date and relevant advice.
• Participate in ongoing training and development to enhance your skills in universal banking, customer service, and compliance requirements.
• Ensure all financial transactions and loan applications adhere to the Credit Union’s operational procedures, regulatory standards, and risk management protocols.
• Collaborate with branch team members to improve efficiency, increase member satisfaction, and maintain a high standard of service, while supporting operational and safety procedures.
• Provide inbound and outbound telephone services, as necessary to members including transactions, disseminating information, problem