Universal Associate

Summary: Georgia United Credit Union is dedicated to providing excellent member services and financial solutions. The Universal Associate role involves welcoming members, assisting with account services, and promoting credit union products while ensuring compliance with operational standards. Responsibilities: - Welcome and directs members visiting the branch, creating a positive member experience from start to finish - Presents and explains credit union services and products to members, performing daily tasks such as opening and closing accounts, and conducting account research - Resolve member account discrepancies by performing file maintenance and making necessary account changes - Assists with the escalation of complex transactions when required - Informs members about credit union technology services and offerings - Assists members with troubleshooting technology-related transactions and issues - Maintains the credit union’s professional reputation by adhering to professional standards of conduct and following credit union guidelines and policies - Identifies, recommends, and promotes products and services to build financial relationships in alignment with the credit union’s business strategy - Counsels members regarding money management and financial matters - Demonstrates awareness and commitment to achieving credit union, branch, and individual goals - Uses consultative conversations to assess member needs and recommend appropriate products and services to meet or exceed these goals - Promotes and establishes strong, positive, and productive working relationships within the organization by committing to the company’s purpose, mission, and core values - Interviews and gather preliminary documents to originate, process, and close consumer loans - Evaluates and verifies loan applications and credit criteria - Computes debit ratios, verifies employment and income, determines collateral value and recommends loans for approval - Notifies applicants of loan decisions and requests additional information if required - Coordinates and processes loan closings, ensuring that each loan is promptly and properly prepared, documented, processed, and disbursed according to the credit union’s loan quality standards - Assists in servicing loans by processing items such as payoffs, refinances, loan workout arrangements, address changes, payment extensions, collateral releases and payment due date changes - Processes transactions that cannot be completed through automated channels in the branch - Maintains a balancing record that meets established standards for transactions performed - Assists members with the ATM+ machines as required - Completes branch operational duties, including ensuring branch security procedures are followed, assisting with monthly branch audit responsibilities, assisting with the internal review checklist, and compiling reports as required - Assists with controlling branch cash, including balancing cash drawers, the branch vault, cash recyclers, cash orders, and balancing the ATM+ machines as required - Identifies and reports/escalates potentially fraudulent activity, keeping the manager informed of activities and significant concerns while maintaining member information and privacy - Completes special projects and other duties as assigned Required Qualifications: - Ability to welcome and direct members visiting the branch, creating a positive member experience - Experience in presenting and explaining credit union services and products to members - Ability to perform daily tasks such as opening and closing accounts, and conducting account research - Skill in resolving member account discrepancies by performing file maintenance and making necessary account changes - Experience in assisting with the escalation of complex transactions when required - Knowledge of credit union technology services and offerings - Ability to assist members with troubleshooting technology-related transactions and issues - Commitment to maintaining the credit union's professional reputation by adhering to professional standards of conduct and following credit union guidelines and policies - Skill in identifying, recommending, and promoting products and services to build financial relationships - Ability to counsel members regarding money management and financial matters - Demonstrated awareness and commitment to achieving credit union, branch, and individual goals - Experience in using consultative conversations to assess member needs and recommend appropriate products and services - Ability to promote and establish strong, positive, and productive working relationships within the organization - Experience in interviewing and gathering preliminary documents to originate, process, and close consumer loans - Skill in evaluating and verifying loan applications and credit criteria - Ability to compute debit ratios, verify employment and income, determine collateral value, and recommend loans for approval - Experience in notifying applicants of loan decisions and requesting additional information if required - Ability to coordinate and process loan closings, ensuring that each loan is promptly and properly prepared, documented, processed, and disbursed - Experience in servicing loans by processing items such as payoffs, refinances, loan workout arrangements, address changes, payment extensions, collateral releases, and payment due date changes - Ability to process transactions that cannot be completed through automated channels in the branch - Skill in maintaining a balancing record that meets established standards for transactions performed - Experience in assisting members with the ATM+ machines as required - Ability to complete branch operational duties, including ensuring branch security procedures are followed - Experience in assisting with monthly branch audit responsibilities and compiling reports as required - Ability to assist with controlling branch cash, including balancing cash drawers, the branch vault, cash recyclers, cash orders, and balancing the ATM+ machines - Skill in identifying and reporting/escalating potentially fraudulent activity - Ability to keep the manager informed of activities and significant concerns while maintaining member information and privacy - Willingness to complete special projects and other duties as assigned Required Skills: Loan Processing, Credit Evaluation, Cash Handling, Account Maintenance, Fraud Detection, Financial Counseling, Branch Operations, Use of ATM, Cash Recyclers, Customer Service