Universal Branch Representative I - Hanover Branch

Virginia Credit Union; Mechanicsville (VA); On-site; USD 51,000 - 56,000; Full time

Job summary

Virginia Credit Union is seeking a Universal Branch Representative who combines Teller and Member Service responsibilities to deliver exceptional member experiences. You will balance cash, handle transactions, and refer products to meet member needs.

The role requires notary certification, strong communication, and cross-selling skills to grow member relationships. A high school diploma is expected, with some college preferred, and a focus on accurate, courteous service.

Qualifications

• Customer/member service experience in a financial institution.
• Cash handling experience.
• Knowledge of transaction and settlement procedures (TCD).

Responsibilities

• Establish member relationships through quality service and cross-selling VACU products/services.
• Provide Teller and MSR services with accurate transactions. Balance cash drawer daily and report variances.
• Open memberships and deposit accounts; assist with deposit and loan accounts; referrals to deepen relationships.
• Engage members in a professional and courteous manner and meet service and sales goals.

Skills

Public relations

Cross-selling

Communication skills

Problem solving

Interpersonal skills

Computer skills

Education

High school diploma or equivalent

Some college education or business courses

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 Responsibilities

Responsible for opening Memberships

Responsible for opening all types of deposit accounts

Able to provide assistance and maintenance on all deposit and loan accounts

Referral based lending knowledge

Assesses each member’s financial needs to identify, cross-sell opportunities and expand relationships

Make appropriate referrals to deepen member relationships

Demonstrates the 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

Demonstrates flexibility around the daily needs of the members and the branch

Possesses leadership skills to properly self-manage and guide co-workers consistently

Possesses lobby leadership skills in order to maximize exceptional member experience

Demonstrates appropriate knowledge of all VACU policies and procedures related to the platform and teller line, including Security and Information Security

Answers 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 manner

Meets member needs by maintaining appropriate knowledge of all VACU products and services

Answers the phone and responds to member phone inquiries professionally and accurately

Building 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 sales

Provides quality service by following all member service expectations

Handles 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 members

Required 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 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.

This job requires occasionally lifting up to 50 pounds and/or up to 30 pounds frequently.

Salary Range

$50,697.00-$56,003.00

About the Employer

We’re proud of the opportunities, training, benefits and work-life balance we provide to those who help people take their money further, and reach their goals sooner.

We strive to provide a culture where employee development, teamwork, integrity, respect and quality of life are the cornerstones of delivering superior member experience.

We thank our employees for making us a part of our community’s "Top Workplaces" and are always looking to add people to our team who share our passion for helping members build their finances and confidence.

In return, we offer employees a challenging and rewarding work environment and are committed to maintaining an atmosphere that promotes teamwork and continual improvement.

Virginia Credit Union is an Equal Opportunity Employer.