Universal Banker I

About the role

Responsible for a broad range of teller transaction processing, referring bank products and services while providing friendly customer service and playing a vital role in delivering an exceptional customer experience.

Responsibilities

• Customer Service
  • Interact with the public and deal effectively with their questions or problems.
  • Familiar with the Bank’s products and services; explain, promote, and refer products or services.
  • Demonstrate a helpful, friendly attitude and commit to providing excellent customer service.
  • Serve as a model of excellent customer service to other employees.
  • Identify and refer retail products suitable to the customer’s needs.
  • Handle customer complaints or questions and determine the best course of action.
  • Establish and maintain effective working relationships with co-workers, employees and officials in other departments.
• Universal Banker I Functions
  • Receive and handle deposits of all types, ensuring proper endorsement on negotiable instruments.
  • Cash checks and pay out money after verification of signatures and customer balances; adhere to Teller Operational Policy & Procedures Manual.
  • Process checks, deposits, loan payments, night drop bags, mail deposits, and savings bonds.
  • Provide access to safety deposit boxes.
  • Enter customers' transactions into computer, issue computer-generated receipts, and accurately balance currency, coin, and checks in cash drawer at end of shift.
  • Remove deposits from, and count and balance cash in, automated teller system and night drop bags; assist with daily ATM balancing duties.
  • Demonstrate responsibility and judgment according to check cashing procedures.
  • Order client checks through Harland Clarke.
  • Issue cashier’s checks and money orders.
  • Complete Currency Transaction Reports (CTRs) and obtain independent verification of report.
  • Override excessive drawer cash in Vertex up to approved designated limit.
  • Open and maintain all consumer types of checking and savings accounts.
  • Complete domestic wires forms accurately.
• Security
  • Maintain proper amount of currency and coin in drawer per Potomac Bank approved teller currency limits.
  • Maintain neat and orderly work area; ensure all negotiables and confidential records are properly secured.
  • Understand role in the event of a robbery and know proper post-robbery procedures.
  • Present a professional appearance that evokes customer trust.
  • Adhere to all bank policies and procedures and to internal controls and system access restrictions.

Critical Skills

• Self-Development: Pursue additional education or training to remain current, improve knowledge, and diversify skills; ability to be cross trained in other areas.
• Customer Confidentiality: Never reveal or divulge customer information to anyone outside of the Bank.
• Versatility: Ability to multi-task under pressure and in a fast-paced environment.

Qualifications

• Education and/or Experience: High school diploma or GED; 1–2 years of prior customer service experience; outgoing, service-oriented personality; general knowledge of bank operations; excellent communication and customer service skills; basic to advanced computer skills.
• Knowledge, Skills, and Abilities:
  • Pleasant personality with above average knowledge of fundamental arithmetic.
  • Adhere to Potomac Bank’s Core Values: Integrity, Teamwork, Growth, Client Commitment, Community Focus.
  • Basic skills in operating a computer, printer, and copy machine.
  • Ability to read and interpret documents such as safety rules, operating and maintenance instructions, and procedure manuals.
  • Ability to operate standard office equipment, including coin sorter and currency counter.
  • Ability to speak clearly and write legibly; answer telephones and greet public in a friendly and courteous manner.
  • Ability to apply common sense understanding to carry out instructions furnished in written, oral, or diagram form.
  • Ability to deal with problems involving several concrete variables in standardized situations.

Workplace and Physical Demands

Potomac Bank is a 100% smoke-free company.

While performing the duties of this job, the employee is regularly required to stand; use hands to finger, handle, or feel; reach with hands and arms; and talk or hear. The employee must regularly lift and/or move up to 10 pounds, frequently lift and/or move up to 25 pounds, and occasionally lift and/or move up to 50 pounds.