Sr. Universal Associate

Job Description

GENERAL PURPOSE

The Senior Universal Associate serves as the liaison between CCU and new and existing members to assist them with their short- and long-term financial needs and goals through exceptional service and a positive and friendly consultative approach. The Senior Universal Associate is expected to excel in all areas of the Universal Associate job, as well as be fully competent in all aspects of Consumer Lending. They serve in an elevated capacity in the absence of the Assistant Branch Manager/Branch Supervisor/Branch Manager.  

ESSENTIAL DUTIES AND RESPONSIBILITIES

• Lives CCU’s service standards and core values. Be the Advocate. Embrace Curiosity. Be Compassionate.

• Competent in all aspects of the Universal Associate role.

• Be well versed in products and services and be comfortable and enthusiastic about speaking with our members on the products/services that will best meet that member’s needs.

• Demonstrate sales skills and positive energy towards the accomplishment of branch goals. 

• Demonstrate initiative, a commitment to continuous learning and the ability to adapt to changing demands and requirements.

• Respond and follow up daily to member inquiries to provide forms, resolve problems or answer questions.

• Process all new account and loan applications and correspondence immediately or as otherwise in accordance with Credit Union standards.

• Consult with loan applicants for requested loan as well as other potential future financial needs.

• Responsible for coordinating the opening of new accounts, originating and processing of loan applications, loan closings, opening CDs and IRAs in accordance with the Credit Union’s policies and procedures.

• Assist branch management in all matters including, but not limited to, compliance, policies and procedures, balancing, branch audits, monthly tracking reports and member service issues.

• Complete accurate and timely required Bank Secrecy Act (BSA) documentation in compliance with BSA policies and procedures, to include, but not limited to, new account and wire procedures, OFAC, CTR and SAR. 

• Remain in compliance with all company, state and federal rules and regulations. 

• Support promotions and strategies to meet Credit Union’s goals.

• Participate in Credit Union business development and community relations activities.

• Attendance must be kept in accordance with CCU’s standards and not affect member service or branch performance.

• Adhere to all service standards as outlined in the Credit Union’s policies and procedures.

• Ensures that lending operations are conducted in accordance with established Credit Union policies, procedures, approval authority and all fair lending laws (i.e. Equal Credit Opportunity Act, Consumer Credit Protection Act, Truth In Lending Act, Fair Housing Act and Home Mortgage Disclosure Act, etc). Ensures compliance with the non-discrimination provisions of applicable fair lending laws and regulations.

• Perform other duties as needed or requested.

KNOWLEDGE, SKILL AND ABILITY

The ability to motivate or influence others is a material part of the job, requiring a significant level of diplomacy and trust.  Each individual should feel empowered to provide the highest level of service possible that puts all of our members first.  The Sr. Universal Associate should be internally motivated and able to function in an independent manner as it relates to product knowledge. A friendly and energetic disposition is required for success in this position.  Be able to tactfully question and actively listen to members and employees to determine specific needs and answer those needs.  Communicate clearly and concisely in verbal and written form.  Have a well-rounded knowledge of all departments, know-how and to whom to refer members, as needed. Have excellent problem-solving and decision-making skills in order to assist with member and day-to-day situations that arise.

EDUCATION OR FORMAL TRAINING

High school diploma or equivalent training/experience.  A two-year college degree or completion of specialized internal or external specialized training courses is required.

EXPERIENCE

Previous sales or customer service experience required. Two years of banking or loan experience preferred.

WORK ENVIRONMENT/PHYSICAL ACTIVITES

WORK ENVIRONMENT:

The work environment characteristics described here are representative of those an employee encounters while performing the essential functions of this job.  Reasonable accommodations may be made to enable individuals with disabilities to perform the essential functions.  The noise level in the work environment is usually moderate.

PHYSICAL DEMANDS:

The physical demands described here are representative of those that must be met by an employee to successfully perform the essential functions of this job.  Reasonable accommodations may be made to enable individuals with disabilities to perform the essential functions.  The employee will often be required to move around for a majority of the day.  The employee must occasionally lift and/or move up to 25 pounds. 

Additional Information

BENEFITS

This position is eligible for the following benefits:

• Medical/Dental/Vision Insurance

• Company Paid Life, Short-term Disability, and Long-term Disability Insurance

• 401k Employer Contributions & Match

  • Annual Profit Sharing  funded into the 401k

• Tuition Reimbursement (Max $5,250.00/annually)

• Paid Time Off 

• Company Paid Holidays

• Work-Life Balance and Flexible Work Schedules

• Cross-Training and Career Development Opportunities

• Employee Recognition Program

• Monthly Commission Opportunities

• Annual Bonus Based on Company Performance

Salary : $5,250