Universal Banker

Description

Job Summary: Responsible for conducting daily transactions in addition to the sales and servicing of all bank products and services. The Universal Banker provides operational support and exceptional customer service while maintaining essential controls and safeguards.

• Responsible for keeping current and being knowledgeable of all Banks products and services in order to communicate to new and existing clients.
• Maintains customer information on those expressing interest in future financial discussions and of pertinent customer information including notations about future events that may involve need of financial services/products
• Proactively contacts customers to present pre-approved offers for financial products/services or to offer a general financial overview and schedules customer meeting to conduct a structured financial review to obtain understanding of their financial situation.
• Based on customers needs, makes recommendations on services/products that would assist customer in meeting their needs. Create customer loyalty and grow customer through a differentiated customer experience. Educate customers on options for managing financial transactions by leveraging technology, tool and resources.
• Communicate clearly and accurately to customer of financial products/services including benefits, requirements and any associated fees or costs associated with product/service.
• Identify and refer when appropriate to a customer to another Bank associate or department to discuss certain financial products/services
• Assist customers with transactional needs in accordance with established guidelines, brand model, and service standards, including answering inquiries about account balances, transaction history, service charges, interest rates, and more.
• Maintain daily operational standards, including cash drawer security, balancing the cash drawer, item capture procedures, counterfeit currency identification, and ensuring adequate supplies at the teller station.
• Protect the bank from unnecessary risk by adhering to bank procedures and confidentiality guidelines, including currency transaction reports, suspicious activity reports, Regulation CC holds and documentation, robbery procedures, and more.
• Adhere to internal controls, operational procedures, and risk management policies, including security protocols for robbery, fraud, opening/closing processes, cash controls, and teller procedures.
• Ensure compliance with all bank policies and procedures, as well as applicable state and federal banking regulations.
• Perform other duties and responsibilities as assigned

Required Skills/Abilities:

• Strong knowledge of banking operations, cash handling procedures, and regulatory compliance.
• Exceptional customer service skills, with the ability to handle difficult or sensitive situations with empathy and professionalism.
• Strong attention to detail and accuracy.
• Excellent communication skills, both verbal and written.
• Strong problem solving and decision-making skills.
• Ability to work independently with minimal supervision and make sound judgements.

High School diploma or equivalent required

Minimum of three (3) years of previous professional level of customer contact and service working experience or minimum of two (2) years of prior working experience in a Banking environment, preferably in a branch is required

Prolonged periods of sitting at a desk and working on a computer.

Must be able to lift up to 15 pounds at times.