Universal Banker

Universal Banker I

Branch Manager/Assistant Branch Manager

Non-Exempt

Do you enjoy interacting with people? Do you enjoy building lasting relationships all while gaining important life financial skills? Are you a multi-tasker that must have organization in your life? Potomac Bank is looking for a Universal Banker I that fits these characteristics.

Responsible for a broad range of teller transaction processing, referring bank products and services while providing friendly customer service and playing a vital role in delivering an exceptional customer experience.

Customer Service

• Ability to interact with the public and deal effectively with their questions or problems.
• Familiar with the bank’s products and services.
• Looks for opportunities to explain, promote, and refer products or services.
• Continuously demonstrates a helpful, friendly attitude and is committed to providing excellent customer service.
• Serves as a model of excellent customer service to other employees.
• Identifies and refers retail products suitable to the customer’s needs.
• Handles customer complaints or questions and determines the best course of action to remedy the situation.
• Establishes and maintains effective working relationships with co‑workers, employees and officials in other departments.

Universal Banker I Functions

• Receives and handles deposits of all types, ensuring correct endorsement on negotiable instruments.
• Cashes checks and pays out after verification of signatures and balances, following teller policies.
• Processes checks, deposits, loan payments, night drop bags, mail deposits, and savings bonds; provides access to safety deposit boxes.
• Enters customer transactions into the computer, issues receipts, and accurately balances the cash drawer at shift end.
• Removes deposits from, counts, and balances cash in the automated teller system and night drop bags.
• Assists with daily ATM balancing duties.
• Demonstrates responsibility and judgment according to check cashing procedures.
• Orders client checks through Harland Clarke.
• Issues cashier’s checks and money orders.
• Completes Currency Transaction Reports (CTRs) and obtains independent verification.
• Overrides excessive drawer cash in Vertex up to approved limits.
• Opens and maintains all consumer types of checking and savings accounts.
• Completes domestic wire forms accurately.

Other duties may be assigned.

• Maintains proper currency and coin amounts in the drawer per bank limits.
• Maintains a neat and orderly work area and secures negotiables and confidential records.
• Understands the role in the event of a robbery and knows proper post‑robbery procedures.
• Maintains a professional appearance that evokes customer trust.
• Adheres to all bank policies, procedures, internal controls, and system access restrictions.

Other duties may be assigned.

• Self‑development:
  Pursue additional education or training to remain current, improve knowledge, and diversify skills; be cross‑trained in other areas.
• Customer confidentiality:
  Never reveal customer information outside the bank.
• Versatility:
  Ability to multi‑task under pressure in a fast‑paced environment.

To perform this job successfully, an individual must be able to perform each essential duty satisfactorily.

Education and/or Experience

High school diploma or GED; 1–2 years of prior customer service experience; outgoing, service‑oriented personality; general knowledge of bank operations; excellent communication skills; basic to advanced computer skills.

Knowledge, Skills, and Abilities

• Pleasant personality with above‑average arithmetic skills.
• Adheres to Potomac Bank’s Core Values:
  Integrity, Teamwork, Growth, Client Commitment, Community Focus.
• Basic computer operation skills (printer, copier). Ability to read and interpret documents such as safety rules, operating and maintenance instructions, and procedure manuals.
• Operates standard office equipment, including coin sorter and currency counter.
• Speaks clearly, writes legibly, and greets the public politely.
• Applies common sense to carry out written, oral, or diagrammatic instructions.
• Handles problems involving multiple concrete variables in…