Position Title:	Universal Banker	Department:	Retail Deposits
Reports to:	Branch Manager	Classification:	Non-Exempt

POSITION SUMMARY: The Universal Banker at First Oklahoma Bank, breaks the mold of what it means to be a banker. Focusing on superior consultative sales and a customer experience, Universal Bankers open accounts, inform and educate customers about our products and technology services, find resolutions to customer questions and concerns with a genuine and collaborative attitude, and handle teller transactions. Universal Bankers build relationships with our customers, earning their trust by recommending financial solutions based on each customer’s unique goals and needs. The position is governed by established policies and guidelines.

RESPONSIBILITIES/ESSENTIAL FUNCTIONS:

Recommends products and technology services to customers inquiring about deposit and loan products, identifies customer needs to offer the most suitable product to benefit the customer through questions and conversations regarding what services they are seeking. Completes the appropriate forms and documentation to open new or make adjustments to existing accounts by following all applicable policies, guidelines and regulations.
Ensures customer satisfaction through proactive follow-up correspondence and communications. Ensures all customer issues are resolved.
Monitors daily Overdraft Report and deposit exceptions.
Accurately process customer transactions such as cash back, deposits, term deposits, loan payments, retirement savings plan contributions, night deposits, courier deposits, and mail deposits and other requests by following established bank policy.
Balance currency, coin, and checks in cash drawer at end-of-shift and calculate daily transactions using computer, calculator, or adding machine. Identify transaction errors when debits and credits do not balance. Balance and replenish automated cash recycler, balance the vault, order and sell currency and coin.
Prepare and verify cashier’s checks, money orders, cash advances, and disbursements checks. Process transactions such as term deposits, loan payments, retirement savings plan contributions, night deposits, courier deposits, and mail deposits. Balance and replenish automated cash recycler.
Follow procedures established according to teller manual, including opening and closing check lists and all other policies set forth by First Oklahoma Bank.
Performs or assists with monthly and quarterly branch audits of cash drawers, the vault, key inventory, and safe deposit box audit.

REQUIRED QUALIFICATIONS:

Knowledge/Skill/Ability

Superior interpersonal and customer service skills with both staff and bank customers
Practice and promote teamwork within the organization.
Ability demonstrate good math skills
Ability to exercise sound judgment and discretion.
Adaptability – ability to adapt to fast pace and rapid changes. Ability to juggle multiple tasks and handle unexpected delays or events while maintaining constant attention to detail.
Strong organizational and problem-solving skills.
Ability to maintain the highest level of confidentiality with information relating to the bank, bank customers, officers, directors, investors, and employees
High level of dependability regarding attendance and punctuality
Knowledge of economic and accounting principles and practices, the financial markets, banking, and the analysis and reporting of financial data
Problem-solving skills by analyzing information and evaluating results to choose the best solution

Equivalent Education/Experience

High school diploma or equivalent is required; some college is preferred but not required.
1 year of progressive responsibility in a banking or retail sales environment, or equivalent related experience.

Preferred Experience/Qualifications

1-year New Accounts related experience
Knowledge of financial institution products and services

PHYSICAL REQUIREMENTS:

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 regularly required to sit, use hands to finger, handle or feel, reach with hands and arms, and talk, see or hear. The employee is frequently required to stoop, stand and walk. The employee must regularly lift and/or move up to 15 pounds and frequently lift and/or move up to 8 pounds.

The worker is not substantially exposed to adverse environmental conditions. (typical office/administrative work environment.

SPECIAL JOB DIMENSIONS:

Work involves periodic overtime and adherence to deadlines and project completion deadlines.

Note: The above statements are intended to describe the general nature of work and level of being performed by individuals assigned to this position. They are not intended to be an exhaustive list of all duties, responsibilities and skills required for this position. The tasks and procedures involved in the performance of the job responsibilities may vary from day-to-day. Major changes in the areas of responsibility will require revision of this job description.

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