Universal Banker

Summary

Responsible for opening, maintaining and closing various types of bank accounts in an efficient and professional manner, generating referrals for new business opportunities, processing teller transactions, assisting other tellers on sales and referral techniques, and providing excellent customer service.

Responsibilities

• Run a teller cash drawer to cover the daily needs of the branch staffing model.
• Exercise authority to sign official checks (not to exceed $50,000) and complete teller overrides.
• Accept and process transactions including savings, checking, holiday savings accounts, loan payments, safe‑deposit box rental payments, tax deposits, and withdrawals.
• Accept checks for cashing according to FNB check‑handling procedures.
• Sell money orders, official checks, and collect applicable fees.
• Ensure each teller balances daily, assist in locating differences, initial discrepancies, and report to the manager as required.
• Maintain a work environment conducive to superior customer service and teamwork.
• Keep the teller area and personnel appearance organized and professional in accordance with bank policy (dress code, cell‑phone usage).
• Handle vault cash under dual control, including vault transactions, cash orders and shipments, audits, and proper strapping and dating of currency denominations.
• Secure all negotiable instruments, safe‑deposit box records, and confidential records each day.
• Assist customers with safe‑deposit box rentals per the FNB safe‑deposit box manual.
• Ensure dual‑control policies are known and followed by all staff where applicable.
• Open and close the branch following proper security procedures.
• Maintain strong knowledge of daily branch, vault, and ATM operations.
• Achieve personal daily sales referral goals and coach tellers to meet their individual goals.
• Coordinate with the branch manager regarding sales and service operations as needed.
• Use effective communication to educate staff on policy changes, new procedures, and product knowledge.
• Exercise sound judgment in resolving client and employee issues.
• Maintain strong knowledge of bank products and services; recognize cross‑selling opportunities.
• Make outbound sales calls to current and prospective clients.
• Open new accounts, complete account maintenance, cross‑sell products, and discuss available services.
• Prepare new account documents accurately and promptly.
• Serve as a Notary when properly credentialed.
• Complete all operational duties required weekly, monthly, and quarterly in accordance with bank policy.
• Complete mandatory and elective training, including BSA (Bank Secrecy Act) and Anti‑Money Laundering procedures, and maintain compliance with all applicable rules and regulations.
• Maintain regular, predictable attendance.
• Perform any other duties as assigned.

Requirements

• High School diploma or General Education Development (GED) certificate.
• Minimum of one (1) year retail banking experience with cash handling.
• Previous supervisory and sales experience highly preferred.

Skills

• Above‑average teller capabilities with strong instruction‑following, reasoning, and problem‑solving skills.
• Desire to oversee and assist others.
• Ability to prepare a cash order/manifest.
• Familiarity with E‑Verify for confirming identity and employment eligibility of newly hired employees.