Universal Banker

About the role

The Universal Banker position encompasses both the Teller and Personal Banker roles, managing and growing an assigned portfolio of retail customers, performing customer services, and processing banking transactions. Work is varied with changing priorities, and the incumbent applies advanced knowledge of bank products and services.

Responsibilities

• Welcomes and interviews customers to acquire information and define financial needs, recommends and sells retail products, and opens new accounts.
• Provides customer services such as accepting and processing collection items, telephone account and wire transfers, stop payment requests, and check orders.
• Closes accounts, admits customers to safe deposit boxes, and prepares and encodes counter checks and deposit slips.
• Responds to customer inquiries regarding account information and researches and resolves problems.
• Provides customers with Debit Cards, Internet Banking, and product information, and participates in business development through cross-sell efforts.
• Performs teller duties, including cash, check, and deposit transactions, wire transfers, loan payments, and balancing cash drawers.
• Assists with Vault Duties, processes night-drop and mail transactions, and provides notary services and other non-bank services.
• Refers customers with non-retail product needs to appropriate providers and maintains relationships with customers by calling assigned accounts.
• Performs administrative support duties and reviews overdraft reports for assigned customer portfolios.

Requirements

• High school or equivalent degree required.
• 2 years of New Account experience preferred, with knowledge of all Teller Services.
• Previous cash handling experience and Jack Henry experience preferred but not required.
• Experience with commercial account opening and commercial entity document review.

Skills

• In-depth knowledge of banking concepts and regulations.
• Moderate accounting skills necessary for balancing, reconciliation, reporting, and financial analysis functions.
• In-depth knowledge of all bank products and services, policies, and procedures.
• Demonstrated ability to explain bank products and services, and respond to customer inquiries.
• Advanced written, oral, interpersonal, and negotiating skills, with ability to recognize and respond to sales opportunities.
• Cooperation, teamwork, and patience in dealing with customers.