Universal Banker

Join to apply for the Full-Time Universal Banker role at Ridgewood Savings Bank

Estimated starting salary is $831-$1,011 per week.

• High School Diploma or G.E.D. equivalent.
• Teller and Customer Service training/experience required. Generally equivalent to a year of combined experience.
• Above average verbal and written communication skills.
• Basic math skills.
• Knowledge of Bank products and services.
• Pursuit of certification in life insurance, lending, or business banking expected.
• Proficient with the use of a Personal Computer.
• Basic knowledge of Microsoft Office.

• Promotes the sale of Bank products and services to customers through the bank’s defined sales process to maximize banking relationships.
• Adheres to and promotes the Bank’s Core Values.
• Responds to requests and proactively approaches customers and prospects regarding service, products, and account information and processes requests for various banking services.
• Processes the opening of accounts by collecting and verifying identification and information as required by the Customer Identification Program and Customer Due Diligence (CIP/CDD) in accordance with the Bank Secrecy Act (BSA). Ensures customers receive/understand their appropriate account disclosures.
• Processes transactions, including the closing of accounts and executing changes following established procedures. Deters fraud by validating customer identification and signatures, checking document validity, collecting pedigree information, and examining checks for endorsements. Verifies appropriate hold codes and other information such as dates, bank names, and the legitimacy and/or negotiability of all items received.
• Processes ATM and Debit Master Cards for customers through the core system, ensuring correct information for appropriate delivery methods and to mitigate risk.
• Performs clerical tasks assigned by Branch Management Team including filing, locating account records, scanning work, and updating account information on the core system.
• Adheres to current shred procedures to be compliant with Regulation P.
• Analyzes and rectifies customer concerns through satisfactory verbal and written communications by following established procedures.
• Performs follow‑up phone calls to customers to ensure exceptional level of service and that all pending items are received.
• Acquires comprehensive knowledge of the products and services offered by the bank to provide accurate and relevant information to customers.
• Verifies accuracy of monetary transactions by employing basic math skills and using a calculator.
• Processes various customer transactions through effective use of the Bank’s core operating system and cash dispenser or cash recycler.
• Balances daily by counting cash, adding checks, listing transaction totals, and various ledger items. Additionally, identifies and corrects transaction errors when debits and credits do not balance.
• Ensures regulatory compliance by applying bank policies and procedures when processing transactions.
• Performs scanning of checks and ensures proper bank endorsement to receive accurate credit and settlement in accordance with Regulation CC.
• Sells currency back to the vault as necessary to mitigate risk and comply with set cash limits.
• Submits referrals to designated areas through appropriate channels.
• Assists with training new teller trainees by demonstrating and teaching appropriate transaction processing, observing and correcting the trainees as they perform transactions, and assisting them in preparing to open their own teller box.

Entry level

Full-time

Finance and Sales

Banking

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