Universal Banker

About the Bank

Cross County Savings Bank is a local, FDIC-insured mutual savings bank originally founded in 1888. Our mission has remained the same: to make a difference in the lives of our local customers and businesses and in the overall betterment of our community. Formed as a mutual savings bank owned by our depositors, we were established to provide a place for all members of our local area to keep and grow their finances and obtain loans, unlike other banks at the time that catered primarily to corporations and wealthy individuals. We have withstood economic downturns, including the Great Depression and recent recessions, demonstrating our resilience and commitment to customer satisfaction, which is the key to our longevity.

About the Role

The Universal Banker (UB) is responsible for prompt, courteous, and efficient service while conducting teller and account-related transactions. This role operates in the dual capacity of Customer Service Representative (CSR) and Teller. The Universal Banker opens new accounts, processes monetary transactions, explains bank products and services, resolves customer issues, and builds trust-based relationships. They are also responsible for the sales and servicing of all bank products and services, maintaining current knowledge of products, promotions, and providing operational support while ensuring essential controls and safeguards.

Responsibilities

• Assist customers in opening accounts, handling transactions, problem-solving, and inquiries.
• Exercise prudent judgment in identifying customers for new accounts and fund disbursal or transfer.
• Promote and cross-sell banking products and services.
• Assist the Branch Manager, Assistant Manager, and Teller Supervisor with ATM proofs, branch proofs, locating teller differences, check and daily work scanning, and monthly audits.
• Monitor Bank Secrecy Act (BSA) compliance.
• Assist with branch opening and closure procedures.
• Provide prompt, efficient, and friendly service to a diverse customer base.
• Open new accounts and recognize customer needs, suggesting appropriate bank products and services.
• Ensure compliance with Know Your Customer (KYC)/Anti-Money Laundering (AML), security, state, and federal regulations in accordance with bank policies.
• Process customer transactions, including cash, checks, negotiable instruments, wires, bonds, mortgage payments, and other financial transactions efficiently and timely.
• Verify and update customer identification and personal documents as necessary before processing transactions.
• Run and scan all daily work, checks, cash memos, and negotiable instrument figures 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 for the bank.

Requirements

• High school diploma or GED required (Bachelor’s degree a plus).
• Cash handling and customer service experience required.
• Prior banking and sales experience preferred.

Cross County Savings Bank is an equal opportunity employer. All qualified applicants will receive consideration without regard to race, color, religion, gender, national origin, sexual orientation, gender identity, disabilities, or protected veteran status.