Universal Banker

1. Assist branch in meeting performance standards monthly in addition to meeting individual performance standards monthly.

2. Interview members and process applications for all types of consumer loans. Review application and documentation for completeness and accuracy according to credit union compliance guidelines.

3. Conduct all member account functions, including processing requests for new services, providing counseling, and cross‑selling appropriate credit union products or services to benefit the member and achieve established sales goals.

4. Assist members with opening and closing accounts, answer questions about products and services and resolve problems within their authority. Refer problems beyond their authority to a supervisor, along with recommendations.

5. Accurately receive, inspect, and verify cash and negotiable instruments for deposit; accept loan payments and various other monetary transactions as directed and in accordance with established policies and procedures. Balance transaction input at the end of each workday.

6. Regular and predictable attendance.

7. Perform additional job duties as assigned by the manager.

• A high school education or GED.
• One year to three years of similar or related experience.

• Upholds Y12 Federal Credit Union’s culture and core values.
• Courtesy, tact, and diplomacy are essential. Work involves much personal contact with others inside and/or outside the organization for purposes of giving or obtaining information, building relationships, or soliciting cooperation.
• Ability to accurately process account entries and transactions, write routine reports, and construct basic professional and grammatically correct correspondence.
• Ability to speak effectively to members and employees of the organization. Ability to read and interpret basic forms and documents, operating and maintenance instructions and procedure manuals.
• Ability to add, subtract, multiply and divide in all units of measure using whole numbers, fractions and decimals. Ability to compute rate, ratio and percentages.
• Ability to apply reasonable understanding to carry out instructions furnished in written, oral or diagram form.
• Ability to deal with problems involving variables in situations.
• Maintains a positive attitude with employees and members and remains flexible while focused on accepted practices, policy, productivity and effectiveness.

• Within established levels of authority, process member's financial transaction, resolve problems, and answer questions regarding Y-12 Federal Credit Union products and services.
• Actively participate in branch/department and staff meetings to maintain awareness of organizational issues and promotional campaigns. Remain current on changes in policies, procedures, compliance and product development.
• Attend continuing education classes to enhance job knowledge and performance to provide exceptional service to internal and external members. Take initiative for personal career development and seek opportunities to learn new skills.

• Own the Issue – Build confidence that you will help through your words and actions. Minimize the team/member’s effort.
• Personalize the Experience – Show that you care about the person and the issue. Adapt to the team/member’s pace, style, and emotional tone. Be present in the conversation to avoid sounding mechanical.
• Understand, then Solve – Aim for one‑call resolution. Address the underlying issue vs. just the request. Be crystal clear on next steps.
• Be Curious to Exceed Expectations – Pick up on cues and clues indicating other needs. Engage in conversation to discuss broader needs. Help the member access additional resources, products and services to gain more value.

The physical demands described here are representative of those that must be met by an employee to successfully perform the essential functions of this job. While performing the duties of this job, the employee is regularly required to talk, hear, and sit. This position requires standing, walking, bending, kneeling, stooping, crouching. The employee may occasionally lift and/or move…