Universal Banking Associate

Description

The Universal Banking Associate is responsible for providing elite customer service through the efficient management of customer interactions and will provide solutions based on the customer’s needs. The Universal Banking Associate handles transaction processing to establishing new customer relationships and enhances existing relationships through in‑business center interactions as well as phone conversations.

• Attract and retain customer relationships by delivering elite customer service both in person and by phone, identifying customer needs and suggesting appropriate products and services to solidify and enhance relationships.
• Serve as primary customer contact for transaction processing, new account opening and account maintenance requests.
• Participate in outbound client phone calls to support business center development.
• Handle transactions on the teller line and move to a lobby workstation for customer conversations and new account opening, creating a central location for the customer’s financial needs.
• Receive checks and cash for deposits to accounts, verify amounts, examine checks for proper endorsement, enter deposits into computer records, and place holds on accounts for uncollected funds.
• Cash checks and process withdrawals, pay out money after verification of signatures and customer balances.
• Receive and process mortgage, consumer loan, and other payments, and ensure the payments match balances due.
• Responsible for checking night depository bags and recording proper information on the financial institution’s forms.
• Keep all cash and negotiable items secure at all times, balance cash drawer at the end of the shift and compare total amounts to computer generated proof sheet, reporting any discrepancies to the supervisor.
• Perform as the vault custodian maintaining control and balance of the vault.
• Provide a complete range of customer services including wire transfers, explain bank products and service features and benefits, gather customer information to set up new consumer and business accounts, and process updates or provide maintenance on existing accounts.
• Serve as an IRA specialist for opening new IRAs, processing contributions and distributions.
• Participate in retail and business sales, service and product training meetings, team huddles, and other meetings as scheduled, and assist and facilitate business center adherence to operations and audits.
• Directly promote and offer solutions for all retail and business bank products and services, including checking, savings, money market, certificates of deposit, debit card, online/mobile banking, and consumer loans, including HELOC and business loans.
• Promote and introduce other financial institution products and services to customers and make appropriate referrals, including mortgage referrals, investment services, and treasury management services, and business banking.
• Provide micro‑lending services to clients and make appropriate referrals to Business Center Manager or Business Banker.
• Maintain confidentiality and security of sensitive information.
• Adhere to all corporate policies and procedures, Federal and State regulations and laws.
• Follow regulatory requirements including those pertaining to the Bank Secrecy Act (BSA), Anti‑Money Laundering (AML), Customer Identification Program (CIP), and OFAC to assist in the identification, detection, and deterrment of money laundering and other unlawful activities, as well as regulations pertaining to lending and consumer compliance to include fair lending laws.
• Complete all mandatory annual compliance training.
• Perform other duties and special projects as assigned.

Education:

• High school diploma or equivalent required.

Required:

• 5+ years of public contact or sales experience.
• Experience in SSA position or equivalent at another financial institution.
• Above average PC and technology skills, and ability to use applicable software and operation branch automation systems.
• Familiarity with all federal and state banking regulations pertaining to lending and consumer finance, including fair lending laws, the Bank Secrecy Act, and the US Patriot Act.
• Thorough knowledge of the…