Universal Banker

Responsibilities

• Assist the branch in meeting monthly performance standards in addition to individual performance standards.
• Interview members and process applications for all types of consumer loans; review applications and documentation for completeness and accuracy according to credit union compliance guidelines.
• 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.
• Assist members with opening and closing accounts, answer questions about products and services, and resolve problems that are within their authority. Refer problems beyond authority to a supervisor, along with recommendations.
• Accurately receive, inspect and verify cash and negotiable instruments for deposit; accept loan payments and other monetary transactions as directed; balance transaction input at the end of each workday.
• Maintain regular and predictable attendance.
• Perform additional job duties as assigned by the manager.

• A high school education or GED.
• One 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 outside the organization.
• Accurately process account entries and transactions; write routine reports and construct professional, grammatically correct correspondence.
• Communicate effectively with members and employees; read and interpret basic forms, documents, operating instructions, and procedure manuals.
• Perform basic arithmetic (addition, subtraction, multiplication, division) and compute rates, ratios, and percentages accurately.
• Apply reasonable understanding to carry out written, oral, or diagram instructions.
• Handle problem‑solving situations involving variables.
• Maintain a positive attitude, remain flexible while focused on accepted practices, policy, productivity, and effectiveness.

• Process members’ financial transactions, resolve problems, and answer questions regarding Y-12 Federal Credit Union products and services within established authority.
• Participate actively in branch/department meetings to maintain awareness of organizational issues and promotional campaigns; stay current on changes in policies, procedures, compliance, and product development.
• Attend continuing education classes to enhance job knowledge and performance; take initiative for personal career development and seek opportunities to learn new skills.

• Own the Issue
  • Build confidence through words and actions.
  • Minimize team/member effort.
• Personalize the Experience
  • Show care for 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, not just the request.
  • Be crystal clear on next steps.
• Be Curious to Exceed Expectations
  • Pick up on cues indicating other needs.
  • Engage in conversation to discuss broader needs.
  • Help the member access additional resources, products and services to gain more value.

The employee is regularly required to talk, hear, and sit. The position requires standing, walking, bending, kneeling, stooping, and crouching. The employee may occasionally lift and/or move items over 15 pounds. Specific vision abilities required include close vision, distance vision, color vision, peripheral vision, depth perception, and ability to adjust focus.

May be exposed to mild to moderate stress levels associated with the performance of the job duties described.

We are an EEO Employer

All descriptions have been reviewed to ensure that only essential functions and basic duties have been included. Peripheral tasks, only incidentally related to each position, have been excluded. Requirements, skills, and abilities included have been determined to be the minimal standards required to successfully perform the position. In no instance should the duties, responsibilities, and requirements delineated be interpreted as all-inclusive.

Supervisors, as deemed appropriate, may assign additional functions and requirements.

In accordance with the Americans with Disabilities Act, requirements may be modified to reasonably accommodate disabled individuals. However, no accommodations will be made that pose serious health or safety risks to the employee or others or impose undue hardship on the organization.

Job descriptions are not intended and do not create employment contracts. The organization maintains its status as an at‑will employer. Employees can be terminated for any reason not prohibited by law.