Universal Representative

Job Title: Universal Representative

Reports To: Branch Manager / Teller Manager
FLSA: Non-Exempt

Status: Full-Time

This position is based in the Greater Houston area. Candidates must have the flexibility to float to any Houston-area branch location based on operational and staffing needs.

Position Summary:

The Universal Representative delivers a seamless, full-service financial experience to credit union members. This role handles routine teller transactions, opens new accounts, assists members with service-related concerns, and identifies opportunities to cross-sell credit union products. The ideal candidate builds strong member relationships, possesses deep knowledge of financial services, and thrives in a consultative environment.

Essential Duties and Responsibilities

• Member Service: Greet members warmly, answer inquiries, and resolve account discrepancies with empathy and efficiency.
• Transactional Duties:Process deposits, withdrawals, loan payments, check cashing, and official check issuances accurately.
• Account Ownership: Open, maintain, and close member accounts (checking, savings, CDs, IRAs) while verifying identity and eligibility.
• Loan Origination: Interview members for consumer loans, accept applications (auto, personal, credit card), and input data for underwriting.
• Consultative Selling: Analyze member financial profiles to proactively recommend products like credit cards, online banking, and insurance.
• Cash Control: Maintain and balance a cash drawer daily within established credit union variance limits.
• Compliance: Adhere strictly to internal controls and federal regulations, including BSA, AML, OFAC, and Reg CC.

Required Knowledge, Skills, and Abilities

• Communication: Exceptional verbal and written skills to explain financial concepts to diverse members.
• Problem-Solving: Ability to troubleshoot technical or accounting issues independently and logically.
• Detail-Oriented: High level of accuracy in data entry, cash handling, and compliance documentation.
• Multitasking: Comfort moving fluidly between transactional tasks and deep consultative conversations.
• Tech Savvy: Proficiency with core banking software, CRM tools, and standard office suites.

Education and Experience

• Education: High school diploma or equivalent required; Associate degree in business or finance preferred.
• Experience: Cash handling, customer service, and previous credit union or banking experience strongly preferred.

Physical Demand and Work Environment:

The physical demands described here are representative of those that must be met by a Universal Representative to successfully perform the essential functions of this job. Reasonable accommodations may be made to enable individuals with disabilities to perform the essential functions.

• Regularly required to stand, sit, talk, hear, and use hands and fingers to operate a computer.
• Ability to reach, stoop, kneel, and exert up to 10 lbs.
• Finger Dexterity, ability to make small movements such as typing, picking up small objects, or pinching fingers together.
• Repetitive Motion of the wrists, hands, and/or fingers.

This job operates in a professional office environment. This role routinely uses standard office equipment.

I have read this job description and fully understand the requirements of the position.  I accept the position and agree to meet the requirements listed.  I will perform all duties and responsibilities to the best of my ability.  I understand that I may be assigned other duties, in addition to or in place of those described previously.  I also understand that the essential duties of this position may change at any time, according to the needs of Memorial Credit Union.  I agree to abide by all the job requirements and qualifications listed above.

Employee’s Signature_________________________________________ Date__________________

The information in this document is not intended to constitute a contract of employment or create contractual rights of any kind between Memorial Credit Union and its employees.  At Memorial CU employees are employed “at will.”  This means that employees may terminate their employment at any time and for any reason, and that the company has the right to terminate employees on the same basis.  Memorial CU reserves the right to modify, suspend, change or terminate the information in this document at any time, with or without prior notice.