Universal Banker

Universal BankerUnder general supervision a Universal Banker performs a variety of duties to provide existing and potential customers with efficient and accurate services. An employee in this position will be required to perform Back up Teller and Customer Service Representative duties. More than one duty is required to be classified as a Universal Banker. Typical Duties:Opens checking accounts, savings accounts, certificates of deposit, money markets, etc. for both consumer and business customers and provides all other deposit product services to customers; assists with courtesy and collection calls as needed; performs account maintenance as needed. Assists customers with setup and maintenance of additional services including but not limited to online banking, mobile banking, ATM/debit cards, bill pay, automatic transfers, e-Statement enrollment, text banking, and FoneFirst. Learning and maintaining a working knowledge of other bank services, i.e. Cash Management, Merchant Services, Loan Services; makes referrals, completes applications/documentation, and assists in resolving any issues related to services. Cross-selling the Banks products and services by identifying customer needs and making referrals to further grow customer relationships and generate new business. Tracks and meets deposit and referral goals; contributes to the growth and profitability of the Bank by meeting objectives and encouraging team members to meet goals and make referrals. Attending and participating in branch meetings to further develop understanding of sales initiatives, bank products, operations, and customer service standards. Assists with cross-training of new or less experienced staff. Performs opening, closing, and other branch servicing duties such as cash and vault balancing; assists with dual control responsibilities; ordering cash, cards, checks and other supplies; completing logs, reports, audits and control checks; processing wire transfers; taking and posting stop payments; maintaining and servicing automated teller machines. Processes a variety of customer transactions accurately and efficiently in adherence to bank policies and regulations such as cashing checks, processing deposits and withdrawals, loan payments, cash advances, transfers, and issuing monetary instruments; supports the teller line to keep customer wait time to a minimum and maintains a high level of attentiveness. Assists customers by answering questions, responding to requests, and referring customers to appropriate staff for inquiries or other services. Makes the proper inquiries to solve problems or answer questions for customers, consulting fellow employees, a supervisor, or bank department when necessary. Practices branch security procedures and protects customer confidentiality and privacy at all times, both in and outside of the branch; maintains customer accounts and files. Proactively seeks ways to develop and expand customer relationships through marketing displays, call programs, and other prospecting techniques; implements special loan or deposit promotions; prepares deposit proposals for prospective or existing customers at officers request; participates in prospect or customer calling with bank officer. Updates job knowledge by participating in educational opportunities; reading professional publications; maintaining personal networks; participating in professional organizations; and completing assigned training. Preforms other duties and projects as assigned Pays and receives and maintains a teller drawer. The Universal Banker occasionally will rotate various job duties.Note:Universal Banker could spend up to 50% of the time working the teller line.Minimum Qualifications:High School Diploma or General Education Degree (GED) Minimum three (3) years of banking or related work experience Ability to work with mathematical concepts (fractions, percentages, ratios) Knowledge of computer and software application Knowledge of ten-key number pad Ability to work under time constraints, use good judgment, and act in a tactful, professional, non-irritated manner while dealing with the public and co-workers Must have a professional appearance and manner Effectively communicates using outstanding listening skills and verbal, non-verbal, and written skills Ability to work alongside co-workers in a team environment Reliable attendance Strong customer service skills Knowledge of or ability to quickly learn banking and lending products, services, policies, procedures, regulatory guidelines, and effective marketing and sales practices Ability to maintain confidentiality, follow directions and apply proper policies, procedures and guidelines Self-motivated, goal-oriented, team player with strong interpersonal skills and sales aptitude Excellent organizational skills with the ability to prioritize workload and multi-task in a fast-pace environment while maintaining accuracy and attention to detail