Job Description

Position Summary

The Universal Banker I is a financial services professional responsible for delivering exceptional member service through accurate transaction processing and routine financial services. This position combines traditional teller responsibilities with new account opening, basic consumer loan application assistance, digital banking support, and contact center assistance. The Universal Banker I builds member relationships by identifying financial needs, promoting appropriate Credit Union products and services, and utilizing AI-assisted member service tools to provide efficient, accurate, and personalized service.

Essential Duties & Responsibilities

• Process deposits, withdrawals, payments, transfers, cashier's checks, money orders, and other routine transactions accurately.
• Provide exceptional member service in person, by telephone, and through digital channels.
• Open and maintain consumer deposit accounts and memberships.
• Assist members with basic consumer loan applications and required documentation.
• Support digital banking services including online banking, mobile banking, bill pay, mobile deposit, debit card controls, and eStatements.
• Utilize AI-assisted member service tools to improve efficiency while maintaining personalized service.
• Identify member needs and refer appropriate Credit Union products and services.
• Maintain accurate records and comply with all policies, procedures, security standards, and regulations.
• Participate in cross-training and perform other duties as assigned.
• Excellent customer service and communication skills
• Cash handling and balancing accuracy
• Basic knowledge of banking products and services
• Digital banking proficiency
• Ability to use AI-assisted member service tools
• Attention to detail and confidentiality
• Problem-solving and teamwork
• Ability to stand or sit for extended periods.
• Occasionally lift up to 25 pounds.
• Frequent use of computers, office equipment, and cash handling equipment.
• Communicate effectively in person and by telephone.
• Deliver exceptional member service.
• Balance cash accurately.
• Support referral and service goals.
• Maintain compliance and operational accuracy.
• Demonstrate continuous learning through cross-training.

Technical Skills

Qualifications

Education: High school diploma or equivalent required. Associate degree in Business, Finance, or related field preferred.

Experience: Customer service, retail, cash handling, or banking experience preferred.

Physical Requirements

Performance Expectations

Working Conditions

Work is primarily performed in a branch environment with frequent interaction with members in person, by telephone, and through digital channels. Occasional travel for training or branch support may be required.

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