Universal Banker II

Align Credit Union; Lowell (MA); On-site; USD 29,000 - 33,000; Full time

Job summary

Align Credit Union in Lowell seeks a Universal Banker II to cultivate and deepen member relationships through needs-based conversations and proactive service. You will recommend products and services to meet financial goals and handle typical banking transactions with accuracy.

The role emphasizes sales and service excellence, processing requests such as account openings, loans, and notary duties, while adhering to security and compliance guidelines within scope of authority.

Qualifications

• Delivers exceptional member service and understands member financial needs.
• Proactively engages members to deepen relationships.
• Meets or exceeds member service and sales goals.
• Identifies member financial needs and recommends suitable solutions.
• Coordinates with product specialists for wealth, real estate, and lending needs.
• Handles routine banking tasks with accuracy and efficiency.

Responsibilities

• Deliver exceptional service and meet member needs in a timely manner.
• Cultivate long-term member relationships through needs-based conversations.
• Achieve sales and service goals for assigned member base.
• Open accounts, process loans, issue and maintain debit cards and other requests.
• Assist with branch operations: audits, cash handling, ATMs, and daily reconciliations.
• Support supervisors and coach junior staff to improve service and sales results.

Job description

Role:

The Universal Banker II is a seasoned sales and service professional and is responsible for cultivating, maintaining and enhancing long lasting relationships with existing and prospective members. This is achieved by providing exceptional service and meeting all financial needs of each member through the servicing of existing products and services, making new product and service recommendations and completing member requests.

Performs functions to provide the highest level of service and responsiveness to credit union members, within scope of authority and expertise.

Essential Functions & Responsibilities:

• Consistently executes appropriate behaviors consistent with Align CU's values and member service standards to deliver exceptional member experiences.
• Proactively connects with members to deepen relationships through needs-based conversations.
• Achieves all assigned member service and sales goals.
• Acquires and maintains all member relationships over the entire lifecycle of the member by identifying and understanding the financial needs of the member.
• Recommends appropriate solutions to meet member needs. Consults with and/or makes referrals to product specialists who can assist with meeting specific member needs such as wealth management, real estate and commercial lending, etc.
• Completes all member requests including, but not limited to, account opening, personal, automobile, and equity loan applications and closings, mortgage applications, servicing requests, issuing and maintaining debit cards, and routine banking transactions. (deposits, withdrawals, loan payments, check cashing, etc.)
• Participates in the branch's operational tasks such as audits, cash settlements, ATMs, and cash recyclers, for dual control purposes.
• Participates in opening and closing branch procedures.
• Develops and deepens member relationships by taking ownership to resolve member issues efficiently. Assists members with basic to complex situations.
• Maintains a strong knowledge of all credit union products and services to promote opportunities to introduce the member to all options available.
• Executes all sales, servicing, banking transactions and operational tasks accurately. Follows all credit union security and compliance policies and procedures, including Employee Accuracy policy.
• Continuously increase knowledge and skills through self-motivation, formal education, seminars, and in-house training.
• Administers supervisor overrides for restricted transactions appropriately and within assigned limits to approve and take responsibility for the transaction.
• Maintains a strong advanced knowledge of legal aspects of deposit accounts including Power of Attorney, Trusts, and deceased members.
• Adheres to Align Cu's policies and procedures. Responsible for compliance with the following regulations: OFAC, BSA, and other regulations as required.
• Allow members access to their Safe Deposit Boxes. Open and closed Safe Deposit Boxes as needed. (Hale St. only)
• Become and maintain status as a Notary Public.
• Assist supervisory team in educating, motivating and coaching branch staff to fulfill sales and service opportunities, goals, and credit union objectives.
• Trains and coaches less experienced team members.

At Align Credit Union, we believe in pay transparency and are committed to providing our employees and candidates with access to information about our compensation practices. The expected base pay rate offered for this role is $21.00 - $24.00 per hour. Compensation may vary based on relevant experience, skills, competencies, and certifications.