Universal Branch Representative

Virginia Credit Union; Daleville (VA); On-site; USD 35,000 - 50,000; Full time

Job summary

Virginia Credit Union in Daleville, VA is seeking a Universal Branch Representative to perform both Teller and Member Service Representative duties. This critical role focuses on delivering exceptional member experiences while meeting sales strategies.

Responsibilities include establishing member relationships, managing transactions, and proactively engaging members. A high school diploma is required, with a preference for some college education and experience in customer service.

The position also emphasizes strong communication, cross-selling skills, and the ability to handle various tasks effectively.

Qualifications

• Thorough understanding of financial products and services preferred.
• Customer/member service experience at a financial institution is a plus.
• Cash handling/business experience at a financial institution required.

Responsibilities

• Establish member relationships and cross-sell VACU products.
• Handle transactions accurately and efficiently.
• Open memberships and deposit accounts for members.
• Assess member needs and refer appropriately.
• Deliver high-quality service by meeting individual goals.

Skills

Effective communication skills

Cross-selling

Problem-solving

Interpersonal skills

Education

High school diploma or equivalent

Some college education or business courses

Tools

Computer skills

Job description

Primary Function

The Universal Branch Representative performs the duties of both a Teller and Member Service Representative (platform). This role is vital in the delivery of an exceptional member experience while supporting branch sales and service strategies.

Job Duties and Responsibilities

• Teller Responsibilities:
  • Establishes member relationships through quality service and cross selling VACU products/services to meet member needs.
  • Handles each transaction proficiently and accurately, exercising good judgment and seeking approval for any transaction exceeding assigned levels of authority.
  • Performs paying and receiving functions with accurate balancing and reporting, including but not limited to deposits, check cashing, loan payments, miscellaneous sales, cash advances, etc.
  • Disburses cash accurately and maintains a cash drawer, balancing it daily.
  • Verifies and balances assigned cash drawer daily with minimal cash variances; assists in reconciling errors or discrepancies.
  • Maintains adequate cash and/or cash limits as required by VACU policy.
  • Evaluates needs of existing and prospective members and makes daily referrals to Member Service Representatives.
• Member Service Representative Responsibilities:
  • Responsible for opening Memberships and all types of deposit accounts.
  • Provide assistance and maintenance on all deposit and loan accounts; possess referral-based lending knowledge.
  • Assess each member’s financial needs to identify cross-sell opportunities and expand relationships.
  • Make appropriate referrals to deepen member relationships.Demonstrate ability to make appropriate decisions in the best interest of VACU and the membership.
  • Engage members and prospective members in a professional and courteous manner in person and over the phone.
  • Demonstrate flexibility around the daily needs of the members and the branch.
  • Possess leadership skills to properly self-manage and guide co-workers consistently.
  • Possess lobby leadership skills to maximize exceptional member experience.
  • Demonstrate appropriate knowledge of all VACU policies and procedures related to the platform and teller line, including Security and Information Security.
  • Answer member inquiries and cross-sell products and services of the credit union when appropriate.
  • Handle member transactions quickly and efficiently within established policies and procedures and assist in member needs professionally.
  • Meet expectations in all areas of teller and MSR performance documentation including service quality, operations, and sales.
  • Provide quality service by following all member service expectations; handle troubleshooting and special assignments in support of supervisor.
  • Ensure business goals and individual member service and sales goals are consistently met.
  • Deliver high quality service and needs-based sales to members.
  • Required notary certification; stay informed of all notary rules and regulations.
  • Comply with all published enterprise level policies and procedures, including Risk Management policies.
  • Complete all required, ongoing enterprise level training including BSA, OFAC, and Information Security.
  • Report all Risk Management Policy violations in accordance with policy.
  • Develop and maintain a working knowledge of all applicable federal and state regulations including corporate policies and procedures.
  • Stay up to date on all required loan documents, systems, credit reports and related lending documents.
  • Other duties may be required and assigned by the supervisor.

Job Qualifications

• Knowledge: Thorough understanding of products and services offered by financial institutions preferred.
• Skills: Satisfactory computer skills required.
• Abilities: Positive and effective communication and public relations skills, cross-selling, problem solving and interpersonal skills; sound judgment; ability to handle difficult situations; ability to handle multiple tasks; professional appearance and manner.
• Minimum Education and Experience: Minimum of high school diploma or equivalent; some college education or business courses preferred; customer/member service experience, preferably at a financial institution; cash handling/business experience at a financial institution; knowledge of TCD transaction and settlement procedures.

Physical Requirements

This job requires the ability to sit and stand for long periods of time. The job requires occasionally lifting up to 50 pounds and/or up to 30 pounds frequently.

Equal Opportunity Employer

Virginia Credit Union is an Equal Opportunity Employer.