Universal Representative

Essential Credit Union; Gonzales (CA); On-site; USD 30,000 - 40,000; Part time

Job summary

A member-focused financial institution is seeking a Universal Representative in Gonzales, California. This entry-level position requires excellent member service skills and the ability to cross-sell products. Responsibilities include processing transactions, assisting members, and maintaining compliance with policies. Ideal candidates should have a high school diploma and some cash handling experience.

Qualifications

• Must have reliable transportation to travel between locations.
• Experience in a financial institution setting is required.
• Must be able to lift up to 35 lbs.

Responsibilities

• Provide exceptional member service and handle various transactions.
• Cross-sell products and assist customers with inquiries.
• Ensure compliance with audit and policy requirements.

Skills

Member Service

Cross Selling

Cash Handling

Communication

Education

High School Diploma or GED

Tools

Microsoft Office

Job description

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POSITION PURPOSE:

Performs a broad variety of member service functions such as opening and closing accounts, trouble shooting and issuing plastic cards, and actively cross selling Essential Federal Credit Union products and services, etc. Provides excellent customer service and performs the Perfect Teller transaction for all members. Processes deposits, transfers, withdrawals, and other transactions in accordance with policies and procedures; must always be aware of fraud loss and check cashing guidelines as well as other security and transaction documentation requirements. Responsible for the security of assigned cash which must be maintained and balanced within established guidelines. Achieves monthly sales goals for cross selling credit union products.

POSITION PURPOSE:

Performs a broad variety of member service functions such as opening and closing accounts, trouble shooting and issuing plastic cards, and actively cross selling Essential Federal Credit Union products and services, etc. Provides excellent customer service and performs the Perfect Teller transaction for all members. Processes deposits, transfers, withdrawals, and other transactions in accordance with policies and procedures; must always be aware of fraud loss and check cashing guidelines as well as other security and transaction documentation requirements. Responsible for the security of assigned cash which must be maintained and balanced within established guidelines. Achieves monthly sales goals for cross selling credit union products.

ESSENTIAL FUNCTIONS AND BASIC DUTIES:

• Maintains exceptional level of Member Service.
• Cross sells products Essential Federal Credit Union by explaining various services available and assists members in selecting these services.
• Performs member services such as ordering checks, processing ACH Forms, processing and selling cashier’s checks.
• Verifies and processes alterations to existing deposit accounts. May process stop payments and holds.
• Assists members in understanding statements, perform interest calculations and resolve statement related issues.
• Deescalates problem situations in a productive way, along with following-through to ensure the issue has been satisfactorily resolved.
• Submits all member-related documents to the correct department in a timely manner.
• Exercises discretion and confidentiality always.
• Ensures branch compliance with audit, policy, procedures, and loss prevention.
• Stays abreast of Essential Federal Credit Union policies, procedures, and services.
• Assumes responsibility for performing the Perfect Teller Transaction.
• Performs member transactions, including but not limited to deposits, withdrawals, cash advances, loan and VISA payments, transfers, and check cashing.
• Processes cash advances, travelers’ checks, official checks, issues temporary checks, saving bonds and wires.
• Process mailed payments, deposits, and payoffs.
• Updates ATM and Debit card, night drop, open and closing, over and short, key box logs daily.
• Ensures all checks are processed through imaging software timely and accurately.
• Verifies transactions.
• Monitors deposit amounts and examines documents for endorsement and negotiability.
• Balances daily transactions and verifies cash totals.
• Investigates and resolves out-of-balance conditions.
• Cross-sells credit union products and services.
• Provides account information, and quotes credit union rates.
• Fills out CTR and SARS reports as needed.
• Answers questions and solves member problems regarding account and loan information.
• Maintains and projects Essential FCU’s professional reputation and privacy of account information.
• Assists other personnel and staff as needed.
• Keeps supervisor informed of area activities and of any significant problems or concerns.
• Completes required reports and records accurately and promptly.
• Attends meetings and training as required.
• Maintains a clean, secure, and organized work area.
• Stays abreast of all policy changes and revisions.
• Attends annual robbery and security training.
• Secures the drawer keys.
• Follows Bank Secrecy Act, Consumer Identification Policy, and OFAC policies.
  
  
  

Major Accountabilities:

• Maintain exceptional level of Member Service.
• Perform member services such as ordering checks, processing ACH Forms, processing and selling cashier’s checks.
• Process transactions accurately and efficiently.
• Deliver quality service to membership and colleagues consistently.
• Adhering to BSA and OFAC regulations.
• Always adhere to member confidentiality rules and displays professionalism.
• Must be reliable and punctual.
  
  
  

NOTE: THE LIST OF ESSENTIAL FUNCTIONS IS NOT EXHAUSTIVE. IT MAY BE SUPPLEMENTED AS NECESSARY FROM TIME TO TIME

Job Specification:

Previous banking/credit union experience. Previous customer or member service experience. Previous cash handling experience.

Training Requirements:

• Maintain knowledge of Microsoft Office Products (word, excel, and office).
• Use of desktop computers.
• Working knowledge of other core systems.
• Annual training to ensure compliance with NCUA requirements, rules, and regulations.
  
  
  

Work Experience:

• Working in a previous cash handling and customer service environment.
• 1+ years of experience in a financial institution setting.
  
  
  

Minimum Requirements:

• High School Diploma or GED
• 1+ year experience in a financial institution setting.
• Professional, well-developed interpersonal skills necessary for servicing Credit Union members and projecting a positive image to members.
• Use of critical judgment in day-to-day situations and problems within established guidelines.
• Must have reliable transportation to travel to multiple Essential FCU locations based on scheduling needs of the Credit Union.
• Lifting and carrying up to 35 lbs. when moving cash drawers or coin bags.
  
  
  

Physical Requirements:

Perform primarily sedentary work on computer or laptop for an average of eight (8) hours per day. Ability to lift to 15 lbs. Must be capable of climbing/descending stairs in emergency situations. Must be able to operate routine office equipment including telephone, copier, facsimile, and calculator. Must be able to routinely perform work on computer for an average of 6-8 hours per day. Must be able to work extended hours whenever required or requested by management. Must be capable of regular, reliable, and timely attendance.

Other Requirements:

Must be able to perform job functions with supervision and work effectively either on own or as part of a team. Must be able to read and carry out various instructions and follow oral instructions. Must be able to speak clearly and deliver information in a logical and understandable sequence. Must be able to perform basic mathematical calculations with extreme accuracy. Must be capable of dealing calmly and professionally with numerous different personalities from diverse cultures at various levels within and outside of the organization and demonstrate highest levels of customer service and discretion when dealing with the public. Must be able to perform responsibilities with composure under the stress of deadlines/requirements for extreme accuracy and quality and/or fast pace. Must be able to effectively handle multiple, simultaneous, and changing priorities. Must be capable of exercising the highest level of discretion on confidential matters.

Seniority level

• Seniority level

  Entry level

Employment type

• Employment type

  Temporary

Job function

• Job function

  Other

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