Universal Banker

Universal BankerLocation: Del Rio, Brackettville, Sonora, San Angelo, Kerrville, Boerne, Texas - Employment Type: Full-Time Regular - Benefit Eligibility: Medical, Dental, Life, Supplemental, 401(k), Education Reimbursement, Employee Assistance ProgramFLSA Status: Non-Exempt - Reports to: Branch ManagerPOSITION SUMMARYThe Universal Banker is a versatile role responsible for providing comprehensive banking services to customers. This position combines the responsibilities of a teller and a personal banker, offering a wide range of financial services including transaction processing, account management, and personalized financial advice. The Universal Banker plays a crucial role in delivering exceptional customer service, building strong customer relationships, and contributing to the branch's overall success.ESSENTIAL FUNCTIONS & RESPONSIBILITIESAccount Relationship Management: Build and maintain strong relationships with new and existing customers. Open new accounts, make changes to existing accounts, and actively cross-sell additional banking products and services to enhance customer satisfaction and loyalty. Negotiate rates when applicable, provide appropriate referrals to banking, investing, and insurance departments, and proactively address and resolve any customer inquiries.Transaction Processing: Accurately execute a variety of customer transactions, including deposits, withdrawals, loan payments, check cashing, cashier's checks, savings bonds, and cash advances. Ensure each transaction is processed efficiently and in compliance with bank policies.Cash Management: Daily balance and reconcile the cash drawer, identifying and addressing any discrepancies promptly. Maintain optimal cash levels and ensure the secure handling of all cash and negotiable instruments. Recognize and report counterfeit currency in accordance with established procedures.Customer Service: Deliver outstanding customer service based on E2 practices, ensuring interactions with internal and external customers are responsive, courteous, and timely.Compliance Adherence: Ensure adherence to state and federal regulations as well as all bank policies and procedures, including but not limited to BSA-AML.MARGIMAL FUNCTIONS & RESPONSIBILITIESATM Management: Perform ATM-related duties, including balancing and reconciling ATM transactions, settling discrepancies, and providing on-call support for any ATM issues or maintenance needs.Additional Duties: Perform other duties as assigned.Meetings and Committees: Attend departmental and organizational meetings, and serve on bank committees as required, contributing to broader company initiatives and decision-making processes.POSITION QUALIFICATIONSRequired Skills, Abilities & ExperienceEducation: High School diploma or equivalent.Experience: Minimum of one year of customer service and/or cash-handling experience.Technical Skills: Proficiency in computers and Microsoft Office, including Teams.Mathematical Skills: Basic mathematical proficiency, including the ability to perform calculations accurately and efficiently.Data Analysis: Ability to read, count, and handle money with precision. Skill in analyzing data to identify discrepancies and ensure accuracy.Typing Skills: Ability to type and use 10-key by touch.Organizational Skills: Highly organized and detail-oriented with strong prioritization skills.Communication Skills: Excellent written and verbal communication skills.Credit Standing: Credit in good standing.Preferred Skills, Abilities & ExperienceCompliance Knowledge: Possess a strong understanding of banking compliance regulations and ensure adherence to all relevant laws and guidelines.Bilingual Skills: Fluent in both English and Spanish, with the ability to communicate effectively in both languages to serve a diverse customer base.Software Knowledge: Familiarity with Jack Henry Silverlake.PHYSICAL QUALIFICATIONSExtended Computer Usage: Ability to work with computer screens for prolonged periods, maintaining focus and attention to detail.Sitting and Standing: Capability to sit or stand for extended periods as required by job duties.Mental Focus: Strong mental acuity with the capacity to maintain concentration and attention to detail.Effective Communication: Clear speaking and effective hearing abilities for exchanging information in person and via telephone.Varied Physical Activity: Frequent need to stand, walk, sit, and use hands for handling objects or operating controls.Occasional Physical Tasks: Ability to occasionally reach with hands and arms, climb ladders, balance, stoop, kneel, crouch, crawl, and lift objects up to 50 pounds.Office Mobility: Ability to move around the office and between locations as needed.EQUIPMENT USEDComputer - ATMCopier/Scanner/Fax - Calculator/Adding MachineTelephoneWORK CONDITIONSProfessional Office Environment: Work is conducted in a well-maintained, professional office setting with standard office equipment and furnishings.Customer Interaction: Roles may involve frequent interactions with both internal and external customers, including in-person meetings and telephone communications.Climate Control: The work environment is climate-controlled to ensure a comfortable atmosphere year-round.Variable Noise Levels: Noise levels can vary, with some areas experiencing more activity and conversations than others.Security and Surveillance: The premises are equipped with security cameras and other measures to ensure the safety and security of both employees and customers.Confidentiality: Employees are required to handle sensitive financial information with a high level of confidentiality and discretion.Compliance and Regulations: Employees must comply with various regulatory and internal standards, including adherence to rigorous policies and procedures.Occasional Travel: The role may require occasional travel between branches, as well as attendance at off-site meetings and training sessions.Availability: Will be required to work occasional Saturday shifts.DISCLAIMERThe job description is intended to provide a general overview of the typical responsibilities and requirements associated with this position. It is not intended to be a comprehensive list of all duties, responsibilities, and qualifications required for this role. The Bank & Trust reserves the right to amend or modify the job description at its discretion to meet organizational needs or comply with legal requirements.EQUAL OPPORTUNITY EMPLOYMENTThe Bank & Trust is an Equal Opportunity Employer. We do not discriminate against any employee or applicant for employment based on race, color, religion, sex, sexual orientation, gender identity, national origin, age, disability, or veteran status. We are committed to creating an inclusive environment for all employees.REASONABLE ACCOMMODATIONThe Bank & Trust is committed to providing reasonable accommodations to qualified individuals with disabilities in accordance with the Americans with Disabilities Act (ADA) and other applicable laws. If you need assistance or an accommodation due to a disability, please contact our Human Resources department.