Credit Union Universal Associate

February 18, 2026

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We are looking for a dedicated and professional individual to join our team as a Credit Union Universal Associate. In this multi-faceted role, you will be the face of the credit union, delivering exceptional service while managing a wide range of financial transactions and loan processes. Your goal is to foster member growth, ensure operational excellence, and uphold the positive reputation of our institution.

Key Responsibilities

Member Experience: Interact with current and prospective members in person, via phone or email. Provide professional service that reflects a positive image of the credit union and promotes a collaborative office environment.
Membership Growth: Determine membership eligibility based on established guidelines and guide prospective members through the onboarding process.
Financial Transactions: Efficiently process member transactions, including deposits, withdrawals, transfers and check cashing, account verifications, cash ordering and daily balancing.
Loan Assistance & Processing: Assist members with loan applications and conduct interviews to gather necessary documentation. Perform preliminary processing, including credit report reviews and debt-to-income (DTI) analysis, to provide approval or denial recommendations.
Loan Servicing & Collections: Receive and verify mortgage and loan payments. Manage late or delinquent accounts by performing follow-up calls, maintaining accurate records, and optimizing collections while preserving member goodwill.
Operational Support: Generate operational reports and provide backup coverage for the team during absences or high-volume periods.
Business Development: Proactively cross-sell credit union products and services to meet member needs and support organizational growth.
Communication: Keep management fully informed of critical operational issues and maintain compliance with legal notices, such as garnishments or account restraints.
Collaboration in the office is required.

Competencies

Communication: Expert oral and written communication skills, including the ability to actively listen, participate in complex conversations, and use social perceptiveness to engage effectively with diverse audiences.
Technical Proficiency: Skilled at navigating multiple computer applications simultaneously and accurately utilizing office technology for data management.
Financial Literacy: Strong mathematics foundation and the ability to clearly articulate MRFCU products and services to members.
Problem Solving: Proficiency in inductive reasoning, problem sensitivity, and information comprehension to resolve issues under pressure.

Professional Attributes

Integrity & Trust: Must demonstrate high levels of trustworthiness, ethics, and a commitment to maintaining strict confidentiality.
Composure: Proven ability to remain calm and minimize panic during high-stress situations or emergencies, such as a robbery.
Self-Management: Strong organizational and time management skills with a sharp attention to detail.
Service Mindset: Dedicated to service orientation, ensuring every member interaction is professional and helpful.

Physical Requirements & Work Environment

Focus: Ability to maintain concentration during prolonged periods of sitting and desk-based computer work.
Dexterity: Sufficient finger dexterity for repetitive motions (typing/data entry) and the ability to see and read text on various screens and paper documents.
Physical Ability: Must be able to lift up to 15 pounds and participate in normal office conversations.

Qualifications

High school diploma or equivalent required.
Prior experience in credit union operations or lending is a plus.
Preferred delinquency, recovery and/or loan experience.

Additional eligibility requirements

Must be authorized for work in the United States, and the banking & financial sector and bondable.

Travel required

May travel 1 to 3 times per year to off site events promoting the credit union.

Other duties

Please note this job description is not designed to cover or contain a comprehensive listing of activities, duties or responsibilities that are required of the employee for this job. Duties, responsibilities and activities may change at any time with or without notice.

Please email your resume to msingh@mrfcu.com

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