Universal Banker III

Align Credit Union; Lowell (MA); On-site; USD 52,000 - 62,000; Full time

Job summary

Align Credit Union is seeking a Universal Banker III to lead branch operations and model excellence in service. You will coach the team, engage members with needs-based conversations, and recommend solutions across products and services to meet member needs.

You will oversee cash handling, audits, security, and monthly reporting while ensuring compliance with OFAC and BSA guidelines. This role requires strong leadership and a focus on member experience.

Qualifications

• Experience with branch operations and cash handling.
• Ability to coach staff and deliver member service.
• Notary Public status and ongoing compliance.
• Adherence to OFAC, BSA, and related regulations.

Responsibilities

• Oversees branch operations, including cash handling and audits.
• Coach staff to achieve goals and deliver member service standards.
• Develops member relationships through needs-based conversations.
• Processes account openings, loan applications, and related transactions.
• Manages security equipment and branch safety protocols.
• Opens/closes the branch as MOD and logs service calls.

Skills

Customer service

Cash handling

Team leadership

Sales & cross-selling

Notary Public

Tools

Security systems

ATM operations

Banking software

Job description

Role:

The Universal Banker III leads the operational standards of the branch. The Universal Banker III leads by example, coaches the team on operational excellence, as well as having needs-based conversations and offering financial solutions to meet our members' needs. Performs functions to provide the highest level of service and responsiveness to credit union members, within scope of authority and expertise.

Essential Functions & Responsibilities:

• Oversees branch operations, including but not limited to cash handling, control of negotiable items, preventing fraud, managing controllable expenses, promoting integrity, member privacy and employee safety and performance of all operational duties.
• 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.
• Demonstrates exceptional knowledge of credit union's products & services. Recommends appropriate solutions to meet members' needs. Consults with or makes referrals to product specialists who can assist with meeting specific member needs such as wealth management, real estate and commercial lending, etc., as needed.
• Manages branch operations such as audits, cash settlements, ATMs, cash recyclers, coin machine, vaults, and branch monthly reporting.
• Works with branch management to coach and mentor branch staff to achieve goals and develop their abilities and potential; provides ongoing training and motivation to the team.
• 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.)
• Supervises teller balancing. Ensures all cash is accounted for and team adheres to Employee Accuracy policy. Verifies cash drawers when necessary and corrects teller errors.
• Orders, verifies, and distributes cash shipments.
• In conjunction with the Branch Manager and Assistant Branch Manager, ensures all security equipment is in proper working order. Opens and closes the branch as MOD. Ensures security systems are set properly. Responds to alarms as required.
• Administers supervisor overrides for restricted transactions appropriately and within assigned limits to approve and take responsibility for the transaction.
• Continuously increase knowledge and skills through self-motivation, formal education, seminars, and in-house training.
• Adheres to Align Cu's policies and procedures. Responsible for compliance with the following regulations: OFAC, BSA, and other regulations as required.
• Achieves all assigned member service and sales goals.
• Become and maintain status as a Notary Public.
• Acts as supervisor/manager on duty in the branch. Supports Branch Manager with coaching and training branch employees and new hires.
• Participates in assigned projects or committees within the credit union.
• Places and logs service calls for transactional equipment. Initiates tickets with IT to report system issues and relays information as needed. Oversees reentry of items as needed.

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 $25.00 - $30.00 per hour. Compensation may vary based on relevant experience, skills, competencies, and certifications.