Universal Banker

About the role

The Universal Banker provides an exceptional in-branch customer service experience by handling every need from teller transactions to sales and service. This position serves as the primary contact for opening consumer and commercial deposit accounts and supports consumer banking lenders in expediting loan processing and account documentation. The role demonstrates an understanding of the linkage between client service operations and overall organizational goals.

Responsibilities

• Client Service Duties (60%)
  • Possess effective sales skills and proactively engage clients and networks to support organizational goals.
  • Provide top-quality service in a professional, efficient, and friendly manner to all branch visitors.
  • Communicate effectively to identify client needs and refer them to appropriate departments.
  • Demonstrate thorough knowledge of all bank products and services.
  • Provide input on new products and services to enhance client benefits and bank growth.
  • Perform all duties outlined on the teller training checklist.
  • Respond to customer fraud issues following card procedures and ID theft protocols.
  • Resolve customer complaints with appropriate solutions.
  • 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.
• Operations (30%)
  • Produce accurate account documents compliant with bank and governmental regulations.
  • Enter and maintain account and client information accurately.
  • Provide processing assistance for Consumer Banking Lenders.
  • Produce documentation to facilitate loan client meetings.
  • Open and service commercial and personal accounts, including IRA and HSA deposit accounts, in compliance with regulatory rules.
  • Process client transaction requests accurately following established Best Practices.
• Compliance (5%)
  • Follow bank policies and procedures for compliance.
  • Complete annual compliance training as required by laws, regulations, and bank policy.
  • Comprehend and comply with Bank Secrecy Act/OFAC/CIP policies and procedures.
  • Identify new clients and establish expected patterns of behavior through customer profiles, NBFI forms, and risk ratings.
  • Communicate unusual activity or loan fraud to the BSA Officer.
  • Complete BVS assignments.
• Secondary Duties (5%)
  • Contribute to maintaining the professional appearance of the bank premises and work areas.
  • Serve as backup for client service operations during peak traffic periods.
  • Perform miscellaneous duties as requested by supervisor.
  • Participate in client functions and community service events as a bank representative.

Requirements

• High School Diploma with banking experience and/or prior experience in a customer service/relationship development role.
• Must be bondable.

Physical Environment

The physical demands include duties commensurate with a general office environment. The employee must occasionally lift and/or move up to ten pounds.