Universal Banker III

Reports to: Assistant Branch Manager

Department: Retail Operations

Non Exempt/Exempt: Non Exempt

Summary

The Universal Banker (UB) is responsible for providing exceptional customer service while handling teller transactions, opening new accounts, maintenance and servicing of existing accounts, assisting clients with Online Banking services using a variety of devices, processing consumer loan applications and referrals to other services such as commercial lending, Private Banking and Treasury Management services. The UB will work with operations and the Branch sales team to achieve personal goals in the areas of deposit growth, market growth and fee income while controlling losses and expenses. The UB will be responsible for maintaining essential controls and safeguards. 

Essential Functions

Primary responsibilities include: 

Providing Exceptional Service

• Accurately process transactions and new account openings in a timely and professional manner
• Constantly look for ways to improve processes that will improve the customer’s experience and communicate those ideas to Branch Management

Generating Business / Deepening Customer Relationships

• Meets or exceeds established referral and sales goals for both business and consumer clients
• Assists in branch call efforts by reviewing, updating and calling prospect lists regularly
• Participates in community and professional relationships for the benefit of the bank
• Partner introductions to Commercial Lending, Private Banking and Treasury Management 

Performance Management

• Maintain current knowledge of all Federal and State laws and regulations, along with the Bank’s policies and procedures (complete all BAI training)
• Process teller transactions in an accurate and timely manner (e.g. deposits, withdrawals, payments, transfers, check cashing, negotiable purchasing and daily balancing)
• Process and validate accuracy of coin and currency amounts related to incoming and outgoing cash shipments
• Responsible for monitoring and maintaining cash recycler
• Processes assigned reports and/or job duties in an accurate and timely manner
• Responsible for maintaining current and accurate records of referral and sales tracking

All Aspects of the Account Opening Process

• Maintains current knowledge of the Bank’s new account opening procedures
• Maintains current bank products and service knowledge (including rates APY) 
• Complies with all bank policies and procedures including but not limited to:

• Customer Identification Program (CIP) and Know Your Customer (KYC)
• Transaction Approval Limits and procedures
• REG CC policy
• REG D policy
• Truth in Savings Policy
• GLBA/REG P – information security and privacy policy 

All Aspects of the Loan Process

• Maintains current knowledge of the Bank’s loan procedures
• Maintains current bank products and service knowledge (including rates APR) 
• Complete applications for consumer loans 
• Complies with all bank policies and procedures including but not limited to:

• Customer Identification Program (CIP) and Know Your Customer (KYC)
• Fair Lending policy 
• REG B policy
• REG Z policy
• GLBA/REG P – information security and privacy policy
• FCRA & FACT Act – credit reports, fraud and military alerts and confidential customer information

Maintenance and Servicing of Existing Accounts

• Performs customer service requests on existing accounts timely and accurately
• Can assess and address customer complaints (knowledge of Consumer complaint procedure)
• Reviews and recommends additional products and services based on customer profile assessment
• Wires

 Compliance with Regulations and Bank Security Program Requirements

• Demonstrates a working knowledge of all banking regulations and completes compliance and security training assignments (BAI) in a timely manner.
• Balances client service and risk management 
• Complies with all bank policies and procedures including but not limited to:

• Currency Transaction Report (CTR)
• Community Reinvestment Act (CRA)
• Unfair, Deceptive or Abusive Acts or Practices (UDAAP)
• REG D Policy
• FCRA & FACT Act – credit reports, fraud and military alerts and confidential customer information 

Knowledge, Skills, and Abilities Required

• High School Diploma or Equivalent
• Excellent interpersonal skills 
• Excellent communication skills – ability to communicate effectively in person, by phone or in writing
• Demonstrates accuracy and attention to detail – cash handling and data entry 
• Comfortable with technology – a variety of software and hardware systems including smart phones, tablets, and laptops 
• Creative problem solver
• Superior time management skills
• Self-motivated and flexible
• Ability to listen and assess

Regulatory Compliance

As a bank employee, you are responsible for following established policies and procedures related to bank regulations including the Bank Secrecy Act (BSA), Anti-Money Laundering (AML), OFAC, and the USA Patriot Act. This includes attending required training, reporting all suspicious activity to the BSA Compliance Officer, and following policy/procedure as it pertains to your job responsibilities. Failure to follow established policies and procedures will result in disciplinary action that may include termination.