Universal Branch Representative I

Virginia Credit Union; Roanoke (VA); On-site; USD 36,000 - 48,000; Full time

Job summary

Virginia Credit Union seeks a Universal Branch Representative to perform teller and member service duties, delivering friendly, accurate service and driving cross-sell opportunities.

You will open memberships, deposit accounts, assist with loans, answer inquiries, and maintain policy compliance, with notary responsibilities and daily cash handling.

Qualifications

• Minimum of high school diploma or equivalent; some college education preferred.
• Customer/member service experience, preferably at a financial institution.
• Notary certification required; stay informed of all notary rules and regulations.
• Knowledge of BSA, OFAC, and Information Security training within enterprise policies.

Responsibilities

• Open Memberships and all types of deposit accounts.
• Provide assistance and maintenance on deposit and loan accounts; cross-sell products/services.
• Handle teller transactions accurately and balance cash drawer daily.
• Engage members with polite, professional service and referrals to deepen relationships.
• Answer member inquiries and respond to phone inquiries professionally and accurately.
• Build and retain member relationships with follow-up and courtesy calls.

Skills

Cross-selling

Customer service

Communication

Problem solving

Interpersonal skills

Public relations

Cash handling

Attention to detail

Multi-tasking

Professional appearance

Education

High school diploma or equivalent

Some college education or business courses

Job description

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 needsHandles each transaction proficiently and accurately, exercising good judgment and seeking approval for any transaction exceeding assigned levels of authorityPerforms 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 dailyVerifies 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 policyEvaluates needs of existing and prospective members and makes daily referrals to Member Service RepresentativesMember Service Responsibilities:Responsible for opening MembershipsResponsible for opening all types of deposit accountsAble to provide assistance and maintenance on all deposit and loan accountsReferral based lending knowledgeAssesses each member’s financial needs to identify, cross-sell opportunities and expand relationshipsMake appropriate referrals to deepen member relationshipsDemonstrates the ability to make appropriate decisions in the best interest of VACU and the membershipEngage members and prospective members in a professional and courteous manner in person and over the phoneDemonstrates flexibility around the daily needs of the members and the branchPossesses leadership skills to properly self-manage and guide co-workers consistentlyPossesses lobby leadership skills in order to maximize exceptional member experienceDemonstrates appropriate knowledge of all VACU policies and procedures related to the platform and teller line, including Security and Information SecurityAnswers member inquiries and cross-sells products and services of the credit union when appropriate.Responsible for handling member transactions quickly and efficiently in a courteous manner within established policies and procedures and to identify and assist in member needs in a proficient and professional mannerMeets member needs by maintaining appropriate knowledge of all VACU products and servicesAnswers the phone and responds to member phone inquiries professionally and accuratelyBuilding and retaining member relationships by performing follow – up and courtesy calls to members.Meets expectations in all areas of teller and MSR performance documentation including service quality, operations, and salesProvides quality service by following all member service expectationsHandles troubleshooting and special assignments in support of supervisor.Responsible for ensuring that business goals and individual member service and sales goals are consistently met.Responsible for delivering high quality service and needs based sales to membersRequired notary certification. Must stay informed of all notary rules and regulations.Comply with all published enterprise level policies and procedures including, but not limited to, Risk Management policies. Complete all required, ongoing enterprise level training including, but not limited to BSA, OFAC, and Information Security. Report all Risk Management Policy violations in accordance with policy.Must 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 supervisorJOB QUALIFICATIONS:Knowledge: Thorough understanding of products and services offered by financial institutions preferredSkills: 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 institutionCash handling/business experience at a financial institutionKnowledge of TCD transaction and settlement proceduresPHYSICAL REQUIREMENTS:This job requires the ability to sit and stand for long periods of time.This job requires occasionally lifting up to 50 pounds and/or up to 30 pounds frequently.