Universal Banker/Lead Teller

Description: Reports to the Branch Manager or Equivalent Non-Exempt General Functions: Continually provide excellent member service while functioning in multiple roles, including teller line transactions, lending, and new account opening and maintenance.
The Universal Banker(UB)/Lead Teller will be responsible for the supervision of the tellers and teller area(s).
The UB/Lead Teller will provide excellent member service by performing accurate transactions, listening, educating, and identifying members' needs.
The UB/Lead Teller will share all products/services meeting those needs to best serve the member and help the credit union prosper.
The UB/Lead Teller position will require attention to detail, strong interpersonal skills, teamwork and a basic understanding of navigating multiple computer programs and the internet.
UB/Lead Teller must always maintain confidentiality and professionalism in all aspects of service.
Duties and Responsibilities: 1) Reflects the credit union's core values in their daily activities and at any time they represent the credit union.
2) Promote credit union products and services based on member needs that transpire from member interviews.
3) Maintain current knowledge of all credit union’s services and policies.
Maintain knowledge of competitor’s rates, terms, etc.
, as well as internal trends relating to lending.
Counsel members on interest rates and cross-serve services offered at the credit union.
4) Open new share accounts and certificates.
Assist members in the completion of Individual Retirement Account and Share Certificate applications.
5) Process new account information including ordering checks, verifying eligibility, checking for appropriate signatures, filing cards, mailing welcome letters, etc.
Type, laminate, and mail membership cards to members.
Print starter or temporary checks for members.
Assist members with Instant Issue ATM cards.
6) Prepare coupons for skip-a-pay when sold.
7) Assist members with wire transactions and in closing accounts.
8) Assist members with discrepancies and complaints.
Make corrections and refunds on accounts if necessary.
9) Ensure accurate processing of loans by making sure that each one is properly documented, closed, disbursed, coordinated, and filed.
Notify auto dealerships of any missing paperwork.
10) Analyze and process consumer loan applications.
Pull credit reports for all accounts, verify debts, estimate monthly payment for any outstanding debts not listed and add them to debts on application.
11) Mail loan application and/or information to members and prospective members.
Look up NADA values and provide quotes to members.
12) Review delinquency notices for accuracy and mail them as appropriate.
13) Assist member with information as to the status of pending loans.
Explain reasons for denial and explore options for members when loans are denied.
14) Assist members and Loan Processors in filing debt protection, credit disability, and credit life insurance claims.
15) Monitor teller performance of daily responsibilities.
16) Assist in correcting teller errors.
17) Assist in training new tellers.
18) Monitor teller over/shorts and follow discipline guidelines.
19) Monitor dress code with tellers.
20) Complete weekly schedules with tellers.
21) Assist with teller drawer audits.
22) Disburses money from vault to tellers as needed.
23) Monitor teller achievements of monthly sales goals and coach when necessary.
24) Ensure that all information and transactions regarding credit union members are kept confidential.
Enforce strict adherence to established security procedures.
25) Maintain an up-to-date and comprehensive knowledge on all credit union products and services that are handled or promoted by tellers.
Maintain an up-to-date and comprehensive knowledge on all related polices and procedures, rules and regulations for the teller area, including robbery procedures.
26) Promote, explain, and cross-serve other credit union services such as consumer and mortgage loans, IRAs, certificates, safe deposit boxes, debit and credit cards, on-line banking, traveler’s checks, and money orders.
27) Report malfunctions of teller terminals and other equipment used at the teller station.
28) Perform all teller duties.
29) Maintains work area in an orderly manner.
30) This job description is not designed to cover or contain a comprehensive listing of activities, duties, or responsibilities that are required of the employee.
Performs other duties and works other hours as assigned.
31) Must be able to meet physical requirements: prolonged periods of sitting at a desk working on a computer or standing and completing training activities; must be able to lift 30 pounds at times.
Requirements: Required Qualifications: High school graduate.
At least one year of teller or management experience required.
Availability during branch hours and to work at alternate Branch locations if/when assigned.
Preferred Qualifications: Knowledge of bookkeeping is preferred.