Universal Branch Representative

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 Memberships

Responsible for opening all types of deposit accounts

Able to provide assistance and maintenance on all deposit and loan accounts

Referral based lending knowledge

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