Position Summary
The Universal Banker II is an experienced financial services professional who provides comprehensive member service while performing consumer lending, loan processing, new account, and frontline responsibilities.
This position assists members with their everyday financial needs, including opening and servicing accounts, processing transactions, evaluating and processing consumer loans, and recommending appropriate Credit Union products and services. The Universal Banker II is expected to independently handle a broad range of member needs while providing accurate, friendly, and efficient service.
Essential Duties and Responsibilities
• Interview members, evaluate financial needs, and recommend appropriate consumer loan products and other Credit Union services.
• Accept, evaluate, process, close, and fund consumer loan applications, including vehicle, personal, credit card, share secured, and other consumer loans.
• Review credit reports, income, debt obligations, collateral, debt to income ratios, and other information necessary to make sound lending decisions.
• Collect, review, and verify required loan documentation and ensure loan files are complete and accurate before closing.
• Communicate loan decisions, terms, conditions, and next steps clearly to members.
• Open, maintain, and service checking, savings, certificates, IRAs, HSAs, and other deposit accounts.
• Assist members with account maintenance, transfers, beneficiary and ownership changes, debit cards, online and mobile banking, and other account services.
• Perform teller and frontline transactions, including deposits, withdrawals, transfers, payments, check cashing, and other routine and complex transactions.
• Assist members with account questions, fraud concerns, debit card disputes, and other service issues in accordance with established procedures.
• Identify opportunities to strengthen member relationships by recommending appropriate Credit Union products and services.
• Provide member assistance in person, by telephone, and through digital service channels.
• Maintain accurate records and ensure all transactions, accounts, and loans comply with Credit Union policies and applicable regulations.
• Support and assist other team members and provide guidance to less experienced Universal Bankers when needed.
Qualifications
• Previous credit union, banking, consumer lending, or related financial services experience preferred.
• Experience with consumer lending, loan processing, new accounts, and member service strongly preferred.
• Ability to analyze credit reports and financial information and make sound lending decisions.
• Excellent communication, member service, organizational, and problem solving skills.
• Strong attention to detail and ability to manage multiple member needs and responsibilities.
• Comfortable discussing and recommending financial products and services.
• Proficiency with financial institution systems, digital banking platforms, and standard office technology.
• High school diploma or equivalent required. Additional education in business, finance, or a related field preferred.
Performance Expectations
The Universal Banker II is expected to deliver exceptional member service, make sound lending decisions, maintain accurate and compliant accounts and loan files, identify opportunities to deepen member relationships, and demonstrate proficiency across consumer lending and branch operations.
Other Duties
This job description describes the general responsibilities of the position and is not intended to be an exhaustive list of all duties. Responsibilities may change based on the needs of Ascension Credit Union.
...contributions make a real impact. Opportunities for growth and professional development within a rapidly growing company. Dispatcher Responsibilities: Answer incoming service calls and provide top-tier customer service. Schedule and monitor technician service...
Remote Customer Experience Associate | Beginner Friendly | Work From Home Help create better client experiences while growing your own career. We're seeking dependable and people-oriented individuals to join our remote team. You'll communicate with clients, provide...
Entry-Level Freight Dispatcher (Remote) Earn $2,200 to $3,000 Weekly ($114,400$156,000 Annually) We are hiring motivated individuals to join our logistics team as Freight Dispatchers. This is a remote position with strong income potential. Candidates must already ...
...position that is responsible for,but not limited to: heavy duty diesel engine, manual transmission, electronic engine controls,... ...a multi-functional position, incorporating the performance of mechanical duties on various pieces of machinery and operating equipment....
...Taco Bell is a leading Mexican-inspired quick service restaurant brand that is a part of Yum! Brands, Inc. which includes Pizza Hut and KFC. Founded on innovation and passion with Glen Bell bringing tacos to the masses in a world of hot dog and hamburger stands in 1962,...