Universal Banker

Responsible for

• Providing superior customer service by processing transactions and recognizing client needs.
• Recognizing and recommending appropriate products and services to clients.

ESSENTIAL DUTIES and RESPONSIBILITIES

• Show strong knowledge of all bank products and services, including features and benefits.
• Present various options and suggestions that best fit the needs of each client.
• Participate in bank’s referral and sales programs, sales campaigns, and sales training.
• Coordinate daily with Branch Manager regarding sales and service operations.
• Coach tellers to meet their daily sales referral goals and provide excellent customer service.
• Prepare necessary documents to open new accounts and maintain accounts based on client’s specific needs.
• Aid clients with loan-related questions and processes.
• Prepare loan clients for the loan application process and uncover opportunities for further exploration.
• Prepare contracts; renew IRA Certificates and all related IRA transactions.
• Open, redeem, and calculate interest on Certificates of Deposit.
• Aid customers with Safe Deposit Box rentals in accordance with the FNB Safe Deposit Box Manual.
• Ensure that all negotiable instruments, Safe Deposit Box records, and confidential records in the work area are properly secured each day.
• Balance vault cash, ATM, and branch totals in addition to monthly teller cash audits.
• Ensure that vault cash is managed under dual control to include vault transactions, cash orders/shipments, audits, and the proper strapping and dating of currency denominations from teller to Federal Reserve.
• Show empathy and compassion toward customers when assisting with requests, complaints, research, and follow-up on details to resolve matters to the customer's satisfaction.
• Ensure each teller balances daily, provide assistance to locate differences, ensure that all differences are properly initialed and, if required, report to manager immediately.
• Possess a constant awareness of lobby activity to efficiently and effectively service customers (i.e.) adjust time spent on new account transactions when additional customers are waiting.
• Knowledge of competing bank’s products, promotions, and operations to effectively make recommendations to gain strength within that market.
• Ensure that dual control policies are known and followed by all staff members where ever dual control procedures are in place.
• Authority to open and close branch following proper security procedures.
• Authorization to sign official checks and CD’s, not to exceed $50,000 and to complete teller system overrides.
• Make outbound sales calls to current and prospective clients.
• Run a teller window as needed.
• Flexibility with work schedules to accommodate branch staffing requirements in order to service needs and create a work environment conducive to teamwork.

EDUCATION And/or EXPERIENCE

• High School diploma or General Education degree (GED).
• College degree preferred.
• Minimum of two (2) years retail banking experience as a teller or customer contact/sales position.
• Minimum of one (1) year opening new accounts, sales and operations preferred.
• Previous supervisory and sales experience highly preferred.

OTHER SKILLS And ABILITIES

• Ability to lead and motivate a team and constant involvement in the bank’s referral program.
• Must have excellent judgment/decision making skills, time management and organizational skills.
• Ability to present a professional image and maintain a high level of personality and confidentiality.
• Strong communication skills in order to educate staff on changes in policy or new policies/procedures.
• Strong knowledge of daily branch, vault and ATM operations.
• Expected to exercise sound judgment in resolving client and/or employee issues.