Job Description:PRIMARY FUNCTION:The Universal Branch Representative performs the duties of both a Teller and MSR. 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/maintenance of various deposit accounts
- Ability to interview members with lending needs, submit appropriate loan applications and related documents, and coordinate loan closings
- 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
Must be able to be actively registered with the Nationwide Mortgage Licensing System and Registry (NMLS)
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.