UNIVERSAL BANKER

Scope

The Universal Banker-1 is part of the Bank’s Retail Department and is an active participant in the daily operations of the bank. The primary responsibilities of this position are to help deepen customer relationships, attract additional customers and improve customer service. This position is responsible for opening new accounts, selling additional products to customers and prospects and supporting the overall sales efforts of the bank.

Customer Service (Deposits)

• Provide a high level of customer service while handling daily transactions, addressing customer inquiries, and researching and resolving customer problems/issues.
• Perform all paying and receiving functions for customers with a high level of accuracy. This will include taking deposits, withdrawals, and transfers for customers.
• Additionally, the Universal Banker -1 may sell money orders and help customers with additional related services including debit card disputes and wire transfers.

Cross-Selling/Product Promotions

• Support the overall branch sales effort, including actively cross-selling and referring customers and prospects to bank products.
• Participate in bank retail product campaigns, including assisting with product promotions throughout the year.
• Direct sales goals may be established by management for such items as debit cards, online banking, mobile banking or referrals for various other bank products.

Product Knowledge

• Maintain a well-developed working knowledge of the complete line of products and services offered, taking responsibility to keep up to date and request assistance if you have further development needs.
• (Including an understanding of all deposit products, Debit cards, Mobile Banking, Internet Banking, etc.)

New Accounts

• Open and service new and existing accounts, be sure to identify customer’s current and prospective financial needs and use this knowledge to make suggestions for ways the bank can help fulfill these needs.

Compliance

• Understand and comply with applicable Bank policies and procedures as well as all applicable state and federal banking laws and regulations.

Competencies

• Adept at adjusting quickly to different work situations, remaining composed under pressure and in stressful situations.
• Regard for attention to details to assure accuracy in every transaction performed; detect errors; follow through on corrections and details.
• Embrace change and see change as opportunity. Willing to express and support management's ideas to affected staff.
• Respond sensitively to the needs and priorities of the customer; recognize and take appropriate action to meet their needs; establish an effective working relationship with customers to gain their respect and loyalty.
• Communicate thoughts clearly, both orally and written. Communicate with customers, throughout the organization, and to all levels of staff.
• Project a positive image of the bank to all internal and external customers.
• Understand the role of sales and customer service in a community bank environment. Discover customer needs and be able to obtain new customer accounts.
• Ability to prioritize tasks to effectively manage one’s time to complete work according to established deadlines.

Skills/Qualifications

• One to three years bank experience preferred.
• High school Diploma or Equivalent.
• Effective written and oral communication skills.
• Basic computer skills as well as utilization of other office equipment.

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