Universal Banker

Position Summary

The Universal Banker is responsible for providing an exceptional in-branch customer service experience by handling every need from teller transactions to sales and service. This position will be responsible for referrals to other lines of business to gain and meet all aspects of the client's banking and financial needs. This role will also serve as the primary contact person in the opening of consumer and commercial deposit accounts. Universal Banker will also support consumer banking lenders in expediting loan processing and account documentation.

Primary Accountabilities and Responsibilities

• Accountability 1 (60%): Client Service Duties
• Possess effective sales skills.
• Proactively engages clients and center of influence networks to increase and support organizational goals.
• Provide top quality service in a professional, efficient, and friendly manner to all branch visitors.
• Communicate effectively with clients and colleagues to identify needs and then utilize skills and tools to refer client to the appropriate departments.
• Possess a thorough knowledge of all bank products and services offered.
• Demonstrate an awareness of client needs by providing timely input on new products and services that would benefit our clients and enhance the bank's opportunity for growth and profitability.
• All duties to be performed as outlined on the teller training checklist.
• Respond to customer fraud issues following card procedures and ID Theft procedures.
• Solves customer complaints while offering appropriate resolutions.
• Maintain confidentiality of client and bank information.
• Complete all specific client care duties.
• May be scheduled at another branch within the market as staffing needs warrant and cover for any consumer banking role as needed.
• Accountability 2 (30%): Operations
• Produce account documents that are accurate and comply with bank and governmental regulations.
• Enter and maintain account and client information in an accurate manner.
• Provide processing assistance as needed for Consumer Banking Lenders.
• Produce documentation to facilitate Consumer Banking Lenders' meetings with loan clients.
• Open and service commercial and personal accounts including IRA and HSA deposit accounts in compliance with bank and regulatory rules for each product.
• Process client's transaction requests accurately in compliance with established Best Practices.
• Accountability 3 (5%): Compliance
• Responsible for following bank policies and procedures for compliance relative to the functions of the position.
• Comprehend and comply with all pertinent Bank Secrecy Act/OFAC/CIP policies and procedures.
• Complete annual training.
• Identify new clients and establish expected patterns of behavior through customer profiles, NBFI forms, risk ratings.
• Communicate unusual activity or loan fraud to the BSA Officer.
• Complete BVS assignments.

Secondary Duties and Responsibilities

• Contribute to maintaining the professional appearance of the bank premises and work areas.
• Serve as backup, if available, to client service operations during peak traffic periods.
• Perform miscellaneous duties as requested by supervisor relating to the bank and its functions.
• Participate in client functions and community service events as a bank representative.

Education, Experience, And Other Requirements

• A high school diploma with banking experience and/or prior experience in a customer service/relationship development role.
• Must be bondable.
• Physical demands include occasional lifting and/or moving up to ten pounds.