Universal Banker

Universal Banker The Universal Banker is the front line of Customer Service at Legacy Bank with the overall purpose of providing quality and efficiency to customers. This position will demonstrate outstanding customer service and a thorough understanding of all products and services that create a valuable and long‑lasting banking relationship. They will be required to be knowledgeable in all new account processes while understanding bank regulations required to be compliant. This position will educate customers about the various ways to bank with Legacy Bank and refer the appropriate products and services matching the customer needs. They will also be responsible for providing personalized banking services to the financial institution customer by performing the following duties. Major Duties & Responsibilities Prepare, comply, and assist customers with opening and closing all types of accounts, including: Personal accounts IRAs CDs HSAs Business accounts Assist customers with: Ordering checks and debit cards Stop payments Account ownership changes Possible fraud/forgery situations Various other account maintenance items Demonstrate a strong understanding of bank products and services, as well as the customer’s current relationship. Offer relevant products/services to enhance the customer’s banking experience. Evaluate customer needs and provide appropriate financial guidance. Ensure all compliance documents are obtained when opening new accounts or relationships, including: CIP (Customer Identification Program) OFAC (Office of Foreign Assets Control) Beneficial Ownership Any other regulatory requirements Efficiently process financial transactions for checking, savings, and borrowing customers: Receive and disburse funds Post transactions Verbally confirm transactions with customers to ensure accuracy and minimize errors Balance cash drawer daily and apply policies appropriately to ensure transaction accuracy. Research, troubleshoot, and resolve customer and internal inquiries regarding policies, practices, and products. Maintain a clean, professional, and welcoming work environment through: Professional appearance and posture Positive attitude and behavior toward customers and coworkers Provide support to other departments and branches as needed, including: Assisting with transactions Supporting department and branch managers Fulfilling customer requests and merchant verifications Comply with all applicable laws and regulations, including: Bank Secrecy Act Patriot Act OFAC All internal security policies and procedures Maintain the highest standards of customer service confidentiality. Actively promote Legacy Bank to current and prospective customers to support growth and profitability. Requirements High school diploma (or equivalent) is required. Six months to two years of similar or related experience, including time spent in preparatory positions will put you ahead. Key Skills & Attributes for Success Customer-Focused Service Provides warm, professional support while building strong relationships and ensuring customer needs are understood and met. Product Knowledge & Guidance Understands Legacy Bank’s products and services and confidently recommends solutions that support customer goals. Problem-Solving & Initiative Researches issues thoroughly, resolves questions efficiently, and demonstrates resourcefulness when handling customer or internal inquiries. Professionalism & Teamwork Maintains a polished, positive presence; collaborates effectively with peers, supports branch/department needs, and represents Legacy Bank with integrity. Our benefits include: health insurance (Legacy pays a portion of the employee’s premium), 401(k) with employer matching, accrued vacation and sick leave, paid personal day, health & dependent care flexible spending account, and more. ADA Requirements Physical Requirements Is able to bend, sit, and stand in order to perform primarily sedentary work with limited physical exertion and occasional lifting of up to 10 lbs. Must be capable of climbing / descending stairs in an emergency situation. Must be able to operate routine office equipment including computer terminals and keyboards, telephones, copiers, facsimiles, and calculators. Must be able to routinely perform work on computer for an average of 6‑8 hours per day, when necessary. Must be able to work extended hours or travel off site whenever required or requested by management. Must be capable of regular, reliable and timely attendance. Working Conditions Must be able to routinely perform work indoors in climate‑controlled shared work area with minimal noise. Mental and/or Emotional Requirements Must be able to perform job functions independently or with limited supervision and work effectively either on own or as part of a team. Must be able to read and carry out various written instructions and follow oral instructions. Must be able to complete basic mathematical calculations, spell accurately, and understand computer basics. Must be able to speak clearly and deliver information in a logical and understandable sequence. Must be capable of dealing calmly and professionally with numerous different personalities from diverse cultures at various levels within and outside of the organization and demonstrate highest levels of customer service and discretion when dealing with the public. Must be able to perform responsibilities with composure under the stress of deadlines / requirements for extreme accuracy and quality and/or fast pace. Must be able to effectively handle multiple, simultaneous, and changing priorities. Must be capable of exercising highest level of discretion on both internal and external confidential matters. Legacy Bank is an Equal Opportunity Employer and does not discriminate against employees or applicants based on race, color, religion, sex/gender, national origin, disability, age, or any other category protected by law. #J-18808-Ljbffr