Job Description
Position Summary The Universal Banker plays a key role in providing exceptional service to current and potential customers. This position assists with deposit account opening and maintenance, safe deposit box operation and teller line transactions. The Universal Banker will be involved with:
- Customer Service;
- Retail Product Sales;
- Bank Policies and Procedures;
- Compliance;
- Communication;
- Business Development.
Key Duties and Responsibilities - Customer Service: Opens, closes, and maintains accounts to Bank procedure and State & FDIC regulations; has a fundamental understanding of the computer system, to assure that accounts are appropriately entered. Collects and documents required client information on multiple computer applications Assures that signature cards and other required documents are completed correctly. Assists customers in opening and accessing safety deposit boxes. Helps with balance inquiries, address changes, internet banking and account maintenance. Recognizes clients’ needs and recommends products and best practices. Maintains a complete understanding of all products offered by the Bank. Completes domestic and international Wire Transfer forms and checks for accuracy. Learn new products and system updates. Cross train and assists in other area, when needed. Distributes incoming mail and processes outgoing mail.
- Teller/Cash Handling: Accepts retail and/or commercial deposits, loan payments, process checking and savings account withdrawals. Cashes checks and process transfers. Always maintains an adequate cash drawer; buys and sells currency from the vault, as necessary. Balances cash drawer in accordance with Bank procedures and regulations. Issues Cashier’s Checks and Money Orders. Identifies and reports counterfeit bills. Processes daily Branch Capture. Follow teller procedures as instructed by Manager. Understands and follows Restricted/Dormant Account Procedures.
- Security: Maintains a position of trust and responsibility by keeping all customer business confidential and in a secured location. Ensures that policies and standard operating procedures are consistently followed. Recognizes and reports all suspicious or fraudulent activity, including check kiting and uncollected funds swindles. Understands robbery procedures.
- Compliance: Maintains knowledge of all Bank Regulations. Follows all Bank Procedures and Policies. Understands and follows compliance in IRA’s, Levy’s, Power of Attorney, Personal Representatives, Legal requirements for Corporations.
- Communication: Competently explains to consumers, both verbally and in writing, the different types of deposit products and credit options that are available. Speaks clearly and persuasively in positive or negative situations and demonstrates excellent communication skills. Accurately and completely communicate relevant borrower communications to other lending personnel for thorough underwriting.
- Business Development: Develops new customer relationships through prospecting, direct sales, marketing, and branding in the community. Performs sales and customer service activities to increase branch profitability. Participate in community events to increase bank visibility and develop new business opportunities.
- Performs Other Duties as Assigned.
Scope of Decision-making This position will have the opportunity to make recommendations relating to departmental policies, procedures and programs. This position will demonstrate sound judgment in decision making, abiding appropriately to established guidelines and procedures and utilizing appropriate resources for assistance when needed.
Job Tags
Full time,