Universal Banker (Personal Banker) - Main Branch

About the role

Universal Bankers are responsible for performing sales, servicing, and operational functions in a branch environment. They assist in managing an assigned portfolio of High Value Clients (HVC) to build and retain customer relationships. They identify potential customer banking needs and cross-sell other bank products and services; they also refer customers to specialists as appropriate.

Responsibilities

• Meet assigned operational, cross-sale, and referral goals.
• Participate and support the branch management team with ongoing coaching and development activities.
• Open all types of consumer and business deposit and loan products.
• Accept and close secured and unsecured consumer loan and personal lines of credit applications.
• Perform all duties and interact with internal and external customers in alignment with the company's Core Values.
• Exhibit core competencies resulting in consistent delivery of positive Customer Interactions, Empowerment, and Ownership.
• Demonstrate key professional and performance skills such as Active Listening, effective Oral and Written Communication, Action and Solution-Oriented, and Thoroughness.
• Sales/Servicing: Accepts secured and unsecured consumer loan and personal lines of credit applications; opens all types of consumer and business deposit products and related services; profiles customers while opening or servicing deposit accounts to determine needs; actively participates in customer retention programs; manages a portfolio of HVC customers to build and retain customer relationships; analyzes tax returns and financial statements; participates in branch or bank-wide campaigns; actively cross-sells and refers customers to the appropriate business partners; achieves all individual/branch goals as assigned, which may include deposit, loan, and portfolio growth goals; revenue & risk management targets.
• Operational Effectiveness and Service Delivery: Manages risk and takes prompt action in event of discovery of any loss or irregularities in the handling of transaction documents, accounts, or company assets; processes various transactions including deposits, withdrawals, various payments, cash advances, U.S. Savings Bonds applications/redemptions, check cashing placing stops, cautions & holds, foreign currency exchange with minimal errors; balances teller cash on a daily basis; purchases and sells cash to/from vault; assists in the replenishment of cash dispensers.

Requirements

• Education: High School Diploma or equivalent required. Bachelor’s Degree from an accredited university may substitute for the degree requirement.
• Experience: 1+ year(s) of demonstrated success in sales and customer service. 1+ year(s) of branch operations experience or successful completion of teller and new account certification within 6 months of hire. 2+ years of branch/bank operations experience and sales of retail financial products. 1+ year(s) of experience explaining credit products, accepting/closing consumer and business loan applications.

Qualifications

• Licensures and Certifications: Registration with the Nationwide Mortgage Licensing System & Registry (NMLS) is required prior to performing any duties of a Mortgage Loan Originator (MLO), if applicable. Notary Public commission preferred.

Physical Requirements & Working Conditions

• Must be able to move and lift items up to 20lbs and perform other light physical work.
• Must be able to operate standard office equipment, including phone, personal computer, copier, etc.
• Must be able to clearly communicate verbally and in writing with all internal and external customers.
• Must be able to hear sufficiently to engage in daily discussions and interactions.
• Must be able to read and understand bank-related documents.
• Must be able to work in a conventional office setting, involving sitting at a desk or workstation for long periods of time.
• Must also be able to adapt to different work environments as needed to perform the job.