Universal Banker III

The Universal Banker is often the first impression a customer, business or visitor has with the Bank.  The UB provides excellent customer service to current and potential customers and represents the Bank in a positive, professional manner.  The Universal Banker will assist current and potential customers with inquiries about our products and services and make appropriate recommendations for more complex products such as Individual Retirement Accounts, commercial accounts and lending services. The UB will work with other departments to resolve customer inquiries, problems and complaints.  The Universal Banker plays a key role in providing retail banking services and products to customers.  In addition to performing a variety of tasks associated with transacting customer requests and verifying the completeness of retail banking transactions, the Universal Banker is in the prime position to develop new business opportunities with current and potential customers.

 JOB REQUIREMENTS

High School diploma or equivalent

2+ years of Bookkeeping, Account Services or Universal Banking preferred

2+ years teller experience

1 + year of customer service and opening of retail bank accounts

Ability to function productively in a high volume and fast paced environment.

Excellent customer service skills.

NMLS qualifications met.

Analytically inclined

Excellent organizational skills

Developed communication skills allowing interaction with diverse groups

Ability to work independently

Ability to work under time pressure

 Duties and Responsibilities

Excellent people skills with high energy level and passion for delivering outstanding customer service.

Pro-active approach to offering digital products to customers. Advanced knowledge of all of the bank’s electronic delivery channels, to include: on-line and mobile banking set-up, treasury management products and services, as well as troubleshooting online/mobile banking issues for customers.

Open new accounts and services.  Prepare the necessary documentation and issue disclosures

Maintain internal controls, obtain all required documentation to identify the customer and meet regulatory requirements

Consult loan applicants and collect loan applications & financial documentation

Assist customers with Individual Retirement Account services such as contributions and distributions.  Open new IRAs and provide appropriate documentation

Assist with additional services and products such as safe deposit box access, ATM and debit card requests, check orders, compromised accounts.

Perform Teller duties as necessary including processing deposits, checks and payments, verifying cash and endorsements and issuing receipts.   Count cash, balance transactions and teller drawer with a high level of accuracy

Assist customers with Interactive teller machines

Understand and review check endorsements and apply endorsement standards

Make sound decisions based on level of authority, the risk of the transaction and customer expectations, assist employees with approval authority needs within individual authority guidelines.

Understand and adhere to all applicable federal and state laws and regulations, including, but not limited to, the Bank Secrecy Act (BSA) and related anti-money laundering laws and Office of Foreign Asset Controls (OFAC)

Setup/unlock online banking for customers

Participate in community events to increase bank visibility and develop business opportunities.

Identify the unmet needs of current and potential customers and offer appropriate products and services.

Promote and provide information to customers on new and enhanced products, services, promotions, contests, etc.

Promote and cross-sell exciting products and services to current and potential customers to include joint calls with other departments (i.e. investment center, loan referrals, etc.).

 Supervisory

Complete performance reviews and/or provide input for customer service representatives (CSR) and tellers

Ensure all employees on-line training is current

Ensure adequate staffing at branch, including approval of vacation requests

Train employees on new procedures, products, and services

Principal liaison for communications of operational issues at the branch

 PHYSICAL DEMANDS 

The physical demands described here are representative of those that must be met by an employee to successfully perform the essential functions of this job. Reasonable accommodations may be made to enable individuals with disabilities to perform the essential functions.

 While performing the duties of this job, the employee is frequently required to sit, stand; walk; use hands to finger, handle, or feel; reach with hands and arms and talk or hear. The employee is occasionally required to climb or balance and stoop, kneel, crouch, or crawl.  The employee must frequently lift and/or move up to 15 pounds and occasionally lift and/or move up to 25 pounds.  Specific vision abilities required by this job include close vision, distance vision, color vision, peripheral vision and ability to adjust focus.

 WORK ENVIRONMENT 

The work environment characteristics described here are representative of those an employee encounters while performing the essential functions of this job. Reasonable accommodations may be made to enable individuals with disabilities to perform the essential functions.

Employee is required to maintain a valid driver’s license and provide own reliable transportation.  This position requires travel within the bank’s footprint.