Universal Banker

Position Summary

This designation is used to identify those tellers that serve primarily as tellers but are also cross trained to do new accounts work. They will occasionally cover the new accounts area, but their primary duty is supporting the teller line. Individuals in this position provide a variety of teller and new account services such as handling deposits, withdrawals, payments, greeting customers, and opening and maintaining accounts.

They operate a variety of office equipment, explore customer needs, and cross‑sell services that are in the best interest of the customer. They make appropriate referrals to other business units for traditional and non‑traditional banking products and services, and provide superior service to customers. All activities are conducted consistently with established bank policies, procedures, the corporate code of conduct, the Bank Secrecy Act, and all applicable state and federal laws and regulations.

• Provide daily deposit services such as handling deposits, withdrawals, holds, loan payments, travelers checks, cashier’s checks, money orders, stop payments, telephone transfers, direct deposits, cash advances, and related matters.
• Maintain cash drawer within prescribed limits and purchase from or sell money to the vault as needed.
• Accurately count, receive, and disburse cash and handle mutilated and Bait currency.
• Verify and balance assigned cash drawer daily; maintain a cash over/short record; assist in identifying cash offsets; and keep variances within Central Bank of St. Louis guidelines.
• Prepare necessary forms to meet Bank Secrecy Act (BSA) requirements, including obtaining appropriate documentation from customers and non‑customers.
• Acquire and maintain thorough knowledge of compliance and regulatory issues relating to teller and customer service areas (e.g., BSA, Regulation CC, E, DD, P) and apply these regulations in day‑to‑day operations.
• Acquire and maintain thorough understanding of security procedures, practice established procedures, and know proper post‑robbery procedures whether a victim or bystander.
• Maintain a neat and orderly work area and ensure all cash, negotiables, and confidential records are secured and/or disposed of properly.
• Consistently demonstrate proficiency in providing exemplary customer service in person and by telephone; actively listen, maintain a friendly and professional attitude, resolve difficult situations with tact and diplomacy, and find creative ways to make customers feel appreciated and special.
• Open new accounts and perform account maintenance requests.
• Actively pursue all sales opportunities, cross‑selling bank products and services to new and existing customers, ensuring recommended products meet customer needs.
• Actively participate in the referral program; attend sales and referral training; utilize program initiatives; work with manager to set referral goals and strive to reach targeted goals. Make referrals to other business units for traditional and non‑traditional banking products and services.
• Participate in sales programs to generate new customers.
• Arrange daily work plans to handle customer flow and bank processing requirements, provide customer service, and meet bank record‑keeping requirements.
• Acquire and maintain knowledge of all bank products and services.
• Attend all required training.
• Consistently meet the expectations defined in Central Bank’s six standards of Living Legendary.

• Assist others in the department/facility as needed or directed.
• May be assigned vault and/or ATM balancing responsibilities.
• May be assigned new account responsibilities.
• May be assigned other duties and responsibilities.
• May be assigned work or training at other assigned locations.