Universal Banker

 

Job Title:  Universal Banker                         

Department: Operations                                                        

Reports To:  Branch Manager

Classification:   Exempt Nonexempt

Summary

The Universal Banker has both new account representative and customer service representative duties. This banker is responsible for providing courteous assistance to new and established customers in their selection of various accounts and financial services, cross-selling products and services when appropriate; and processing all new account transactions as well as offering superior customer service by processing transactions as a bank teller.  

 Supervisor Responsibilities

 This position has no supervisory responsibilities.

 Essential Duties and Responsibilities

• Promotes business for the Bank by maintaining good customer relations and referring customers to appropriate staff for new services as necessary.

 

• Cross-sells products and services to generate new business for the financial institution.

 

• Explains financial institution services/products such as checking accounts, savings accounts, IRAs, health savings accounts, certificates of deposit, safe deposit boxes, debit cards, credit cards, mobile banking, online banking/bill pay, remote deposit capture, cash management, and other bank products and services.

 

• Opens new accounts following procedures for entering customer information, verifying identity, OFAC lookup, printing forms, obtaining signatures, indexing documents, and submitting information to the core system 

 

• Ensures that proper customer identification information has been collected prior to opening a new account.

 

• Issues ATM or Debit Cards and instructs customers regarding proper use.

 

• Assists customers with Internet Banking and Mobile Banking access and use.

                             

• Prepares contracts and access cards as necessary to rent financial institution safe deposit boxes.

 

• Scans and indexes any necessary documents to Centerdoc.

 

• Monitors, updates and controls inventory of cards and forms related to the ATM/debit card program.

 

• Examines checks deposited to determine proper funds availability based on regulations and place holds as necessary.

 

• Accepts and accurately processes requests for name and address changes, unauthorized ACH, debit card disputes, stop payment orders, wire transfers, check orders and other similar services.

 

• Performs check back review of all new account information that has been entered on the system or on the Internet Banking system. 

 

• Performs call back procedures to new users that have been added to the Internet Banking system. 

 

• Prepares and mails out new debit cards monthly to customers holding cards that are scheduled to expire.

Other Duties

This job description is not designed to cover or contain a comprehensive listing of activities, duties or responsibilities that are required of the employee for this job.   Duties, responsibilities and activities may change at any time with or without notice.

Job Requirements

 

• High School diploma or equivalent.

 

• Thorough knowledge of financial institution products and services.

 

• Excellent communication and customer service skills.

 

• Excellent time management skills with the ability to multi-task, and follow through with commitments.

 

• Ability to effectively interact with customers and other employees at all levels of the organization. 

• Strong selling and cross-selling skills.

 

• Ability to work with customers under time constraints.

 

• Strong organizational, planning, prioritization and detailed orientation skills.

 

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 regularly required to sit and talk or hear.  The employee is frequently required to use hands to finger, handle, or feel.  The employee is occasionally required to stand; walk and reach with hands and arms.   The employee must occasionally lift and/or move up to 10 pounds.  Specific vision abilities required by this job include close vision and color vision.

 

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.

 

This position requires working on weekends.

 

This position may require travel to other branches occasionally.

 

The noise level in the work environment is usually moderate