Universal Banker I

Essential Duties & Tasks

• Listens for “clues” and offers recommendations to expand the relationship with the client and the bank, making referrals to other areas, and cross-selling products to meet expected goals.
• Represents the bank in a professional, courteous manner and provides prompt, efficient, and accurate service while processing client transactions. This includes calling clients by name, closing transactions with “Thank you for your business,” and handling all client transactions appropriately without referring or transferring the client to another employee.
• Attends or completes all required training.
• Utilizes fully the Customer Relationship Manager product to document client opportunities, interactions, and referrals.
• Remains current with oral and written communications with clients.
• Opens and maintains accounts, updates information and account paperwork, including signature cards, debit cards, check orders, transfers, and service charges.
• Demonstrates knowledge and enthusiasm about products and services when interacting with both customers and potential customers.
• Consistently looks for opportunities to make client recommendations based on their needs.
• Affixes to servicing existing relationships by addressing research and maintenance requests, and any related needs.
• Arranges appointments with prospective customers for self, Relationship Managers, and Financial Advisors.
• Handles preliminary debit card disputes and forwards paperwork to designated personnel in a timely manner.
• Acts actively in branches community through participation in civic organizations, sponsoring community events, and operating the branch in a friendly manner, and by developing and cultivating strategic relationships with business partners.
• Cross-trained in serving all Teller duties, not limited to:
• Balances currency, coin, and cash in cash drawers at the end of shifts, coins, and checks received, by hand or using a currency-counting machine.
• Enters clients’ transactions into computers to record transactions and issue computer-generated receipts.
• Processes deposits to all types of accounts, cash checks, issues official checks, cash savings bonds, handles foreign currency exchange, accepts payments, and any variety of client banking needs in accordance with Bank Policy and procedures.
• Prepares required regulatory forms to comply with the Bank Secrecy Act, Reg CC, other regulatory laws, and bank policies and procedures.
• Applies and follows banking regulations and security practices daily.
• Ensures compliance in BSA, OFAC, Privacy, Information Security, and all other regulations applicable to the position. Failure to ensure compliance can result in civil and criminal penalties, as well as corrective actions up to and including termination.

Knowledge, Skills, and Abilities

• Good math skills to accurately maintain and balance a cash drawer.
• Attention to detail and accuracy by processing transactions with no mistakes through patience, and the ability to follow policies and procedures.
• Team-oriented, cooperative by pitching in to help others without being asked.
• Demonstrated ability to achieve individual and team goals.
• Ability to work unsupervised if necessary.
• Demonstrated skill in use of computers as pertains to job duties.
• Multi-tasking skills, organizational skills, and the ability to prioritize in a fast-paced environment.
• Must be technologically savvy and be able to train clients on all our online and mobile banking services.
• Excellent communication skills, both oral and written. A positive approach in interactions with clients and team members.

Education, Training & Experience

• High School Diploma or GED/equivalent.
• 1+ years’ customer service experience and previous experience with financial service products and/or services.
• Previous cash handling experience, meeting goals, and accurately maintaining and balancing a cash drawer.

Physical & Mental Factors/Requirements

• Ability to stay focused and multi-task.
• Ability to understand and perform clerical procedures and policies.
• Ability to meet the pressure of deadlines.
• Ability to communicate on the telephone, write, speak, read, hear, and type.
• Ability to work with little direct supervision.
• Ability to lift boxes of coins up to 30-50 pounds.
• Ability to perform manual tasks.
• May be required to stand for extended periods of time, paying attention to detail.
• Requires occasional bending, reaching, and stretching.

Working Environment