Universal Service Representative

**This Position**:
This is a retail service position that provides a world class member experience to both credit union members and co-workers, consistently delivering World Class Service Standards with each interaction. Performs a broad variety of financial service functions to serve members. This position serves members promptly and professionally representing the credit union in a friendly, courteous, and professional manner as well as transacting with a high degree of accuracy.

Demonstrates a high level of proficiency in performing the functions of each member service phase. Duties also include cross-selling products and services appropriate to member needs, and providing installment and revolving consumer loans. Answers member questions regarding products and services provided and perform a variety of account maintenance duties. These duties may be performed either in person or over the phone.

**Starting Salary**: $19.85/hour

**Schedule**: Full time. 40+ hours per week Monday - Friday.

We offer a wide variety of benefits to support the wellbeing of our employees including reasonable and steady work schedules with paid holidays. We are proud of our Values in Action Program, Wellness Initiatives, Growth/Learning Opportunities, 401k, Volunteerism Pay program. We offer a generous benefits package, including health, dental, vision and more, for employees who work 24+ hours per week

**Benefits Include**:

- Paid time off in addition to paid federal holidays
- Comprehensive medical, dental, and vision benefits starting first of the month following hire date for employees who regularly work 24+ hours a week
- Health Savings Account with discretionary quarterly employer contributions
- 401k match & additional discretionary contribution
- Opportunities for growth and ongoing learning
- 8 hours of volunteer time with an organization important to you

**Who We Need**:
**Essential Functions and Basic Responsibilities**:

- Responsible for establishing and maintaining effective and professional business relations with members. Greet and welcome members to the credit union in a friendly, professional and timely manner.
- Provide prompt, accurate, and efficient member service. Provide services in accordance with credit union policies and procedures. Maintain privacy of member account information.
- Always exhibit a courteous and professional attitude towards employees and members by showing enthusiasm and dedication.
- Assist with developing and maintaining strong relationships with area businesses and members to bring in new business and foster continued growth of the branch.
- Receive share drafts/checks, cash, and process payments for deposit to member accounts. Verify amounts, examine checks for validity, proper endorsement, and enter deposits accurately into the member’s account on the computer system. Cash share drafts/checks and process withdrawals; pay out money after verification document validity, member identity, signatures, and member balances. Generate member receipts. Approve high dollar checks and/or cash withdrawals, approve override thresholds, and visa cash advances.
- Ensure holds are placed on checks received in accordance with the credit union policies and Reg. CC regulations.
- Assist with end-of-day processing of the MSR line. Fill in for peak schedules or for an absence or shortage on the MSR line. Research and resolve discrepancies and report any discrepancies to the supervisor as necessary.
- May perform a variety of other functions including working in a drive-up station, open and close the branch, bring TCRs online/offline, disarm/arm alarms, process night drop or mail envelopes, cash vault duties, perform monthly audits, assist with ATM servicing/maintenance, check scanning, and ensure teller station is properly stocked with forms, brochures or other supplies as needed.
- Respond and resolves member inquiries and requests regarding their accounts promptly and professionally representing the credit union in a friendly, courteous, and professional manner. Maintain an up-to-date and comprehensive knowledge on all credit union products and services.
- Handle all deposit products for member. Open new accounts, both personal and business, including share drafts, student or special accounts, share certificates, debit cards, etc. and explain all services offered by the credit union; cross-selling to members those services which the member may be using at other financial institutions or from which the member may benefit.
- Perform other services such as wire transfers, disputes, etc along with account maintenance. Help member complete paperwork in connection with any fraud against their account.
- Interview account applicants and enters the data into core system. Perform necessary BSA, CIP, due diligence, and credit bureaus.
- Handle all consumer loan products and services. Offer and educate members regarding our debt cancellation, gap, and mechanical repair products.
- Verify that all acco