Universal Banker Floater

This position serves customers in all multiple areas of the bank to include CSR and Teller. Required to function independently, professionally, and with courtesy. Expected to follow all established policies and procedures to minimize banks' exposure to risk. Opens all types of accounts and answers customer service calls. Must be highly flexible to adapt to various work duties needed daily and must be dependable.

• Customer Service Representative (CSR) & Loans
  
  • Assists customers in opening new deposit accounts including but not limited to personal and business‑checking and savings accounts, certificates of deposit, IRAs, debit cards, Internet banking, bill pay, etc.
  
  • Recognizes needs‑based sales opportunities and makes referrals for loans, merchant card services, cash management services and mortgages.
  
  • Accepts all types of account maintenance including stop payments, address changes, research requests, ordering checks and wire transfers.
  
  • Greets customers as they enter and leave the lobby and monitors the status of customers waiting.
  
  • Clears all BSA/Account exceptions in a timely manner.
• Teller
  
  • Greets customers as they enter the building and serves the customer in a courteous, professional manner, providing prompt, efficient, and accurate service.
  
  • Receives checks and cash for deposit to savings and checking accounts, verifies deposit amounts, examines checks for endorsement and negotiability, and processes transactions.
  
  • Cashes checks and processes withdrawals from savings and checking accounts upon verification of signatures and account records, memo posts withdrawals.
  
  • Receives payments on loans and prepares appropriate entries, sells cashier's checks, and completes customer service requests such as change of address, request for research, and requests for temporary checks.
  
  • Accepts check orders, spots address changes and gets them processed on the CIF system, redeems savings bonds and collects information for the 1099.
  
  • Balances the ATM/iTM as assigned, opens night depository, logs bags, balances teller drawer daily and reports all outages, balances vault cash as assigned.
  
  • Keeps cash drawer stocked adequately but under drawer limits, pulls mutilated money, uses cash recycler, keeps excess currency strapped and coin rolled.
  
  • Seeks out opportunities to help customers with banking needs and offers solutions, including recommending products or assisted referrals to another department.
  
  • Processes work in accordance with established procedures, accounting for all cash in & out tickets and following procedures to locate cash outages.
• Core Responsibilities (All Positions)
  
  • Processes work in accordance with established procedures.
  
  • Follows all established security procedures to protect employees and customers.
  
  • Demonstrates regular and reliable attendance.
  
  • Performs other duties as assigned by supervisory personnel.

Skills:

• The ability to approach customers, without apprehension, and inquire about their needs.
• Strong verbal communication skills.
• Professional appearance and conduct.
• Positive demeanor when dealing with customers and coworkers.
• The ability to handle multiple requests from multiple individuals simultaneously.
• High level of awareness of everything taking place in an environment that can be extremely busy at times.
• The ability to be self‑motivated and work alone.
• Understanding of bank products to assist in customer service calls.
• Ability to remain calm and polite under stress.

Experience /

Education:

• Minimum of 1 year of frontline banking experience OR equivalent work experience in the areas of sales, customer service, or financial services.