PT Universal Banker
Purpose/Objective
The Universal Banker position will be responsible to perform the job responsibilities of both a Teller and a Personal Banking Representative. Deliver an exceptional customer experience, process transactions, open new accounts, and proactively develop, retain, and expand customer relationships. Cultivate relationships, promote Beacon Bank’s products and services, and support digital banking engagement. Ensure compliance with all bank policies, procedures, and regulatory requirements.
Key Accountabilities
Customer Relationship Management
- Provide an outstanding customer experience at all points of contact.
- Build, retain, and expand customer relationships by recommending products and services to meet customer needs.
- Educate and assist clients with digital banking services and recommend convenient banking options.
- Handle complex customer issues, explain bank policies and procedures, and resolve service concerns.
- Participate in outbound calling campaigns, branch initiatives and community involvement to develop new business.
Sales, Referrals & Incentive Goals
- Build and deepen relationship with customers by recognizing their needs and goals to make recommendations.
- Educate and offer a full range of financial products and services, including referrals to our business partners.
- Have basic knowledge of all lending products.
- Maintain and balance a cash drawer daily within guidelines.
- Handle cash in an organized, timely, and accurate manner.
- Accurately perform account opening procedures and maintenance requests.
Transaction Processing & Operations
- Process financial transactions, including deposits, withdrawals, check cashing, loan payments, and other services.
- Maintain and balance a cash drawer daily within guidelines.
- Assist with daily branch responsibilities to ensure proper balancing and timely delivery of work to appropriate departments.
- Provide backup support to Teller Supervisors and participate in branch meetings.
- Accurately perform account opening procedures and maintenance requests.
Branch Operations & Compliance
- Follow all bank policies and procedures, including security of bank assets and confidentiality of customer information with adherence to Customer Information Practices.
- Ensure compliance with all banking regulations, policies and procedures, including BSA/AML.
- As a deterrent to robbery and fraud by adhering to procedures.
Education
High school diploma or equivalent required; Associate’s degree or banking courses preferred.
Experience
Prior teller or sales experience in a goal-oriented environment.
Proven cash handling and customer service experience.
Knowledge of bank products, services, and operating procedures.
Excellent oral and written communication skills.
Detail-oriented with strong organizational and time management skills.
Basic computer skills; familiarity with Microsoft Office (Word, Excel, Outlook).
Ability to work flexible hours, including Saturdays and travel to nearby offices as required.
Skills & Knowledge
Superior customer service and sales skills.
Strong communication and interpersonal skills.
Ability to identify customer needs and make appropriate recommendations.
Ability to prioritize workflow, multi-task, and meet deadlines.
Enthusiastic, goal-oriented, and customer-focused.
Ability to analyze situations and solve complex issues.
Behavioral Expectations
Demonstrate teamwork, adaptability, accountability, and leadership, in alignment with Beacon Bank’s core values.