Universal Banker - Dublin

Overview

SUMMARY: The Universal Banker plays a vital role in delivering a high-quality customer experience by performing both teller and customer service functions. The Universal Banker serves as the primary point of contact for customers in the branch, providing comprehensive service in both transactions and account management. This position combines cash-handling responsibilities with customer relationship management, providing a single point of contact for clients' financial needs.

The Universal Banker is responsible for fostering a positive customer experience through efficient, accurate, and friendly service while also identifying opportunities to promote banking products and services.

• Provides courteous and professional customer service by assisting customers with their banking needs.
• Performs a variety of financial transactions accurately and efficiently such as processing deposits, withdrawals, payments, check cashing, money orders and handling inquiries about products and services.
• Actively engages in cross-selling and referral activities to achieve branch sales targets by identifying and recommending products and services that meet customers  needs, such as checking accounts, loans, credit cards, and investment options.
• Redeems U.S. Savings Bonds
• Accepts loan payments and safe deposit box rental payments
• Admits customers to safe deposit boxes
• Answers inquiries and provides information on various accounts, loan balances and other banking services
• Balances transactions at end of day and verifies cash totals
• Performs duties as defined in the Bank Secrecy Act/Anti-Money Laundering Program
• Recommends, explains, and opens new deposit accounts for customers
• Completes all necessary product and service documentation (such as preparing signature cards inputting account information into the system, ordering checks and ATM/Debit cards) to ensure customer needs are promptly and accurately satisfied and all security and legal requirements are met.
• Assist customers with Debit card questions and disputes
• May perform various administrative and other duties related to the operational function
• Prepares various activity reports and information as needed
• May sign such items as certified or cashier s checks.
• Opens or closes safety deposit boxes; billing for boxes; assists with inventory of deceased customer s boxes. Maintains confidentiality of customer accounts
• Handles customers complaints related to the bank s services, explains service charges and follows through on misdirected items or errors
• Identify and mitigate potential fraud risks by verifying customer information and transaction details
• Document review:
  Reviewing documents for accuracy or legal compliance
• Researches and resolves customers problems by serving as a liaison between the customer and the appropriate bank area
• Assumes lead role in generating new customers relationship and expanding existing customers relationships
• Identifies customer s needs and provides advice and information (rates, terms, features, benefits, restrictions, fees, disclosures) to assist customers in making decisions which suit their financial situation.
• Handle customer complaints, troubleshoot problems, and escalate unresolved issues to management when necessary
• Refers customers to specialized products and services to the appropriate area and/or person
• Works closely with Electronic Banking to assist customers with Online Banking and Bill Pay questions or problems
• Adhere to all banking regulations, policies, and procedures to maintain a secure and compliant environment
• Originates wire transfer for customers as needed
• Assist with charge backs at supervisor s request
• Handle specific customer paperwork on request
• Participate in ongoing training, and development programs to enhance product knowledge, customer service skills, and sales techniques.
• Performs other task request by supervisor(s) as they relate to the bank and its functions

• High school diploma or equivalent;
  Associate s or bachelor s degree in business, Finance, or a related field preferred.
• Previous experience in banking, customer service, or sales is highly desirable.
• Strong knowledge of banking products, services, and regulations.
• Excellent communication, interpersonal, and problem-solving skills.
• Ability to work in a fast-paced environment, handle multiple tasks, and manage time effectively.
• Proficient in using computer systems, including Microsoft Office Suite, and other banking software.
• Cash-handling experience with attention to detail and accuracy.
• Ability to work flexible hours, including weekends and holidays, as needed.
• Ability to work independently and in a team environment.
• Strong attention to detail, organizational skills, and problem-solving abilities.

• Relationship management and communication skills
• Proactivity
• Sales and Cross Selling aptitude
• Knowledge of banking products, services, and regulations
• Problem-Solving skills
• Compliance
• Ability to handle cash and maintain a…