Universal Banker

The Universal Banker 1 position is part of the Bank’s Retail Department and reports directly to the Retail Coordinator. The primary responsibilities of this position are to help service customers with the paying and receiving functions of the Bank, deepen customer relationships, and attract new customers. This position is responsible for taking deposits, withdrawals, and transfers for customers. This position also requires assisting with opening new deposit accounts, money orders, cashing bonds, opening and closing safe deposit boxes, and digital banking products.

The Universal Banker 1 is also responsible for selling Bank products to existing and prospective customers. This position also requires balancing the cash, staying within drawer limits, and understanding related compliance regulations related to Bank services.

• Perform routine bank teller tasks including taking deposits, withdrawals, and transfers. Additionally, the Universal Banker 1 may sell cashier checks, money orders, and help customers with related services.
• Understand and comply with the related laws and regulations that pertain to teller duties such as the bank secrecy act, privacy, and funds availability policy.
• Support customers with account maintenance questions including address changes, check orders, etc.
• Able to use the online and mobile banking products and troubleshoot common customer questions and concerns.
• Maintain and balance the cash drawer on a daily basis by accounting for cash assigned, received, and disbursed.
• Demonstrate good risk management decisions, including displaying solid knowledge of guidelines for fraud prevention and robbery.
• Maintain customer confidence and protect Bank operations by keeping information confidential.

• Assist customers with new account needs including checking, savings, certificates, etc. Maintain introductory knowledge of the products the Bank offers and explain the value of those products to customers.
• Assist customers in person and via telephone with problems or service issues related to their account(s).
• Support the overall Bank sales effort by meeting direct sales goals for products such as ATM cards, direct deposit, automated banking, digital banking, or referrals for other Bank products.
• Cross-sell Bank products by answering inquiries, informing customers of new services and product promotions, ascertaining customers’ needs, and directing customers to the appropriate department representative.
• Participate as part of various retail product marketing campaigns initiated by the Bank.

• Contribute to team efforts by performing additional requested tasks to assist in the support of other Bank activities.

• Able to adjust quickly to different work situations and remain composed under pressure and in stressful situations.

• Regard for important details to assure accuracy in every transaction performed. Detect errors and follow through on corrections.

• Must embrace change and see change as an opportunity. Must be willing to express and support management's ideas to affected staff.

• Respond sensitively to the needs and priorities of the customer. Recognize and take appropriate action to meet customers’ needs. Build a strong working relationship with customers to gain their respect and loyalty.

• The ability to express thoughts and ideas in a clear and concise manner to a variety of audiences.

• Conduct oneself in a manner that conveys a positive image of the Bank to all internal and external customers, including good time management, acting with integrity, and complying with all dress codes.

• Must understand the role of sales and customer service in a community bank environment. Must be able to discover customer needs and be able to obtain new customer accounts.
• An overall understanding of Bank products. This includes online, mobile, and electronic delivery products.
• Understands the importance of electronic delivery. Utilizes, encourages, and sells these products.

• Ability to effectively manage…