Universal Banker

Description

Versatile financial services professional responsible for providing exceptional customer service while supporting a wide range of branch operations. This role may combine teller functions, customer service responsibilities, new account openings, and/or lending support. The Universal Banker serves as a relationship builder, helping customers identify banking solutions that meet their financial needs while ensuring compliance with bank policies and procedures.

Teller Services

• Process customer transactions accurately and efficiently, including deposits, withdrawals, transfers, loan payments, and check cashing.
• Balance cash drawer and maintain accurate transaction records.
• Adhere to all cash handling, security, and operational procedures.
• Identify and report suspicious or fraudulent activity.

Customer Service

• Deliver outstanding service to customers in person, by phone, and through electronic channels.
• Respond to customer inquiries, resolve account issues, and provide information regarding products and services.
• Build and maintain strong customer relationships through professional and courteous interactions.
• Identify opportunities to enhance the customer experience and recommend appropriate banking solutions.

New Accounts and Relationship Building

• Open and maintain consumer and business deposit accounts, including checking, savings, money market, and certificates of deposit.
• Assist customers with account maintenance requests and updates.
• Explain account features, fees, and benefits to customers.
• Cross-sell and refer customers to additional products and services that meet their financial needs.

Lending Assistance

• Assist customers with basic loan inquiries and application processes.
• Gather and review documentation required for consumer and mortgage loan applications.
• Support loan officers by scheduling appointments, obtaining information, and tracking loan documentation.
• Educate customers on loan products and refer qualified prospects to lending specialists.
• Ensure compliance with applicable lending regulations and bank policies.

Compliance and Risk Management

• Comply with all bank policies, procedures, and regulatory requirements.
• Monitor adherence to Bank Secrecy Act (BSA), Anti-Money Laundering (AML), Customer Identification Program (CIP), and other applicable regulations.
• Identify and report suspicious activity, fraud, and security concerns.
• Maintain confidentiality of customer information and bank records.

Requirements

Qualifications

• Previous cash-handling and customer service experience.
• Previous banking experience preferred.

Knowledge, Skills, and Abilities

• Strong communication and interpersonal skills.
• Strong customer service and relationship-building skills.
• Ability to maintain confidentiality and handle sensitive information.
• Effective problem-solving and decision-making abilities.
• Ability to work both independently and collaboratively within a team environment.
• Excellent attention to detail and organizational abilities.
• Ability to multitask and adapt to changing priorities.
• Knowledge of general banking operations and financial products a plus.
• Proficiency with computer systems.

Disclaimer

This job description is intended to describe the general nature and level of work performed by employees assigned to this position. It is not intended to be a comprehensive list of all duties, responsibilities, or qualifications. Management reserves the right to modify or assign additional duties as business needs require.