Universal Banker

Position:        Full-time Universal Banker – Park Ridge, Mount Prospect & Oakbrook Terrance

Reports to:     VP, Market Manager 

Hours:           Monday through Friday, 8:00 am – 5:00 pm (In office)   

                       Must be available on Saturdays -9:00 am -1:00 pm 

SUMMARY

Responsible for providing superior service to our customers, handling their Teller and Personal Banking transactions in an accurate timely manner.  Services customers’ financial needs in order to maintain and develop profitable customer relationships with the Branch/Bank.  UBI role will provide assistance on the Teller line by maintaining a cash drawer and servicing customers approximately 80% of the time.  

ESSENTIAL DUTIES AND RESPONSIBILITIES

·         Sells or participates in the selling of bank products and services following established guidelines and procedures. Promotes additional business from existing customers. 

·         Identifies customer needs, explains product features in terms of benefit to the customer and recommends the product or service which best meets the customer’s needs.

·         Provides basic information and answers customers’ inquiries concerning bank products and services.

·         Exhibits strong working knowledge of all retail bank products and of general banking terms in order to provide the customer with a clear and accurate explanation of account parameters as outlined in our Consumer Disclosure.

·         Attendance is a requirement of the position.

·         Provides courteous and efficient service.

·         Processes checking and savings transactions, cashes checks within the specified limits and policies, accepts loan payments; sells Personal Money Orders, and Cashier’s Checks, processes mail deposits, night depository deposits, ATM deposits and armored courier deposits as required.

·         Accepts and verifies loose and rolled coin from customers.  Is accountable to properly bag loose coin in appropriate dollar amounts for shipment to Main Cash Vault, collects appropriate coin counting fee from customers.

·         Processes transactions as a Drive-Up/Walk-Up Teller.

·         Maintains supplies and balances the ATM.

·         Counts, proves and packages currency according to established and accepted cash handling procedures (measurement through adjustments received from the Federal Reserve Bank and through observation from the Main Cash Vault.)

·         Balances cash drawer and accurately prepares Teller blotter.

·         Maintains cash drawer security at all times.

·         Maintains up-to-date knowledge of products offered as well as basic features and benefits.

·         Researches and resolves routine account problems or errors. Investigates files, documents, or reports on transaction to determine the problem and cause of action.

·         Authorizes overdrafts, approves checks for cashing and processes transactions within established limits.

·         Performs file maintenance for commercial and retail customers in accordance with branch operations procedures.

·         Takes request for check orders and debit cards and re-orders.

·         Accepts and performs wire transfers in accordance with bank operations policy and authority limits.

·         Understands branch’s retail goals, his/her individual goals and achievement.

·         Develops ideas to promote new business and increase customer base.

·         May assist with handling teller transactions, including balancing currency, coin, and checks in cash drawer at end of shift and compares totaled amounts with data displayed.

·         Follows bank and regulatory policies and procedures.

·         Performs other duties as assigned or required.

JOB SPECIFICATIONS

All duties and responsibilities must be performed in compliance with applicable local, state, and federal regulatory guidelines.

This position does NOT take residential loan applications. This position does NOT offer or negotiate terms of a residential mortgage loan for compensation or gain. This position may provide general explanation, information, or descriptions in response to consumer inquiries (such as explaining terminology or lending policies). As such, this position is NOT required to be registered with the National Mortgage Licensing System and Registry (NMLS) registration under the terms of the SAFE Act of 2008.

SUPERVISORY RESPONSIBILITIES

Reports directly to the Market Manager.

QUALIFICATIONS

To perform this job successfully, an individual must be able to perform each essential duty satisfactorily.  The requirements listed below are representative of the knowledge, skill, and/or ability required.

•              Ability to recognize the customer’s needs and suggest the best product/service

•              Attention to detail and accuracy in all transactions

•              Good oral communications

•              Ability to adapt and embrace policy and procedure changes

•              Self-motivated individual with customer service sales skills

•              Computer skills required

•              Strong math skills required

•              Ability to keep his/her workstation neat, organized and fully stocked on a daily basis

•              Able to coach/mentor all Teller’s on effective referral skills through product definition (benefits and features).

EDUCATION AND EXPERIENCE

High school diploma or equivalent.  Two or more years of retail bank experience, including sales and cash handling.

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.  While performing the duties of this job, the employee is regularly required to talk or hear.  The employee frequently is required to stand, walk, sit and use hands to finger, handle or touch.  The employee is occasionally required to reach with hands and arms.  The employee must occasionally lift and/or move up to 25 pounds.  Specific vision abilities required by this job include close vision and ability to adjust focus.  Reasonable accommodations may be made to enable individuals with disabilities to perform the essential functions.

WORKING CONDITIONS

Work is performed in a typical office environment.  Light and temperature are adequate, and there are no hazardous or unpleasant conditions caused by noise, dust, etc.

BENEFIT INFORMATION

 Lakeside Bank offers a wide variety of benefit programs for our employees.  We offer 4 Blue Cross Blue Shield Medical plans (2 PPO & 1 HMO plan).  Our PPO Dental plans are offered through Principal.  The Bank subsidizes a large percentage of the monthly premiums.  We also offer Vision insurance through Principal VSP.  Employees are able to select from Single coverage, Employee & Spouse coverage, Employee & Child(ren) coverage or Family coverage levels. 

The Bank provides Life/AD&D, Short-term Disability, and Long-term Disability insurance – at no cost to the employee.  We offer a variety of supplemental ancillary products such as supplemental life for employee, spouse and/or children, accident, critical illness, hospital indemnity and pet insurance.  Additional information on each plan can be provided upon request. 

SALARY INFORMATION

 This is a non-exempt, hourly position.  Universal Banker II role.  Compensation will be based upon background and level of experience. The compensation range is $19.00 -- $26.00.

DISCLAIMER

The above information on this description has been designed to indicate the general nature and level of work performed by employees within this classification.  It is not designed to contain or be interpreted as a comprehensive inventory of all duties, responsibilities and qualifications required of employees assigned to this job.

Lakeside Bank Equal Employment Opportunity Policy:

Lakeside Bank is an equal opportunity employer and all qualified applicants will receive consideration for employment without regard to race, color, religion, sex, national origin, disability status, protected veteran status, or any other characteristic protected by law.