Universal Banker, Floater

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. Established as a mutual savings bank owned by depositors, Cross County Savings Bank was created to provide a place for all community members to grow their finances and obtain loans, particularly when other banks primarily served corporations and wealthy individuals. Over 125 years later, the bank remains dedicated to this mission, enduring economic downturns such as the Great Depression and recent recessions. Customer satisfaction is central to the bank’s operations and key to its longevity.

About the Role

The Universal Banker (UB) is responsible for delivering prompt, courteous, and efficient service while conducting teller and account-related transactions. As a Floater, the UB will travel between assigned branches to provide high-quality, professional customer service. This role operates in a dual capacity as both a Customer Service Representative (CSR) and Teller, opening new accounts, processing transactions, explaining bank products and services, resolving customer issues, and building trust-based relationships. The UB is also responsible for the sales and servicing of all bank products and services and must maintain up-to-date knowledge of products, promotions, and bank offerings. The role requires providing operational support, exceptional customer service, and maintaining essential controls and safeguards.

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.
• Assist 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 branch opening and closure procedures.
• Provide prompt, efficient, and friendly service to a diverse customer base.
• Open new accounts and identify customer needs to suggest 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 accurately.
• Verify and update customer identification and personal documents as necessary before processing transactions.
• Run and scan all 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 for the bank.
• Travel frequently to different branches to assist branch staff as a Floater Universal Banker.