Universal Banker

About the Company

Cross County Savings Bank is a local, FDIC-insured mutual savings bank originally founded in 1888. Since its inception, the bank has undergone various name changes, but its mission has remained consistent: to make a difference in the lives of local customers, businesses, and the community. Founded as a mutual savings bank owned by depositors, Cross County Savings Bank was established to provide financial services to all members of the community, particularly those underserved by other banks that catered primarily to corporations and wealthy individuals. With over 125 years of history, the bank has demonstrated resilience through economic downturns, including the Great Depression and recent recessions, prioritizing customer satisfaction as the key to its longevity.

About the Role

The Universal Banker (UB) operates in a dual capacity as both a Customer Service Representative (CSR) and Teller, providing prompt, courteous, and efficient service while conducting teller and account-related transactions. This role focuses on delivering exceptional customer service, building trust-based relationships, and promoting the bank’s products and services. The UB is responsible for sales, servicing, and maintaining up-to-date knowledge of the bank’s offerings and promotions.

Responsibilities

• Assist customers with opening accounts, handling transactions, problem-solving, and inquiries.
• Exercise prudent judgment in identifying customers for new accounts and fund disbursal or transfers.
• Promote and cross-sell banking products and services.
• Support the Branch Manager, Assistant Manager, and Teller Supervisor with ATM proofs, branch proofs, locating teller differences, check scanning, and monthly audits.
• Monitor Bank Secrecy Act (BSA) compliance.
• Assist with daily branch opening and closure procedures.
• Provide prompt, efficient, and friendly service to a diverse customer base.
• Open new accounts and identify customer needs to recommend appropriate bank products and services.
• Ensure compliance with Know Your Customer (KYC), Anti-Money Laundering (AML), security, state, and federal regulations.
• Process customer transactions, including cash, checks, negotiable instruments, wires, bonds, mortgage payments, and other financial activities efficiently and accurately.
• Verify and update customer identification and personal documents as required.
• Run and scan daily work, checks, cash memos, and negotiable instruments during end-of-day procedures, including sending daily check figures to Chase Bank.
• Balance and prove all currency in your cash drawer to required totals.
• Adhere to policies outlined in the procedure manual and follow management discretion when necessary.
• Accompany the Branch Manager on outside business calls and attend community events to increase brand awareness.

Qualifications

• Required: Cash handling experience and customer service experience.
• Preferred: Prior banking and sales experience.
• Basic math skills (accounting experience is a plus).
• Basic computer skills (proficiency in Microsoft Office is a plus).
• Able to adapt to changing environments and responsibilities.