Description

The Universal Banker is responsible for assisting customers with all their banking needs. Provides full service to customers and non-customers seeking banking information and identifies potential opportunities for cross-selling and possible referrals. Provides exceptional customer service. 

Essential Duties and Responsibilities: 

• Proficient in teller transactions. 
• Understands its individual goal and purpose to enhance the company’s performance.
• Identifies and evaluates client’s needs by utilizing financial profiles to determine cross-sale opportunities to meet production objectives.
• Maintains frequent contact with clients, returning all incoming calls and addressing problems/questions.
• Assists customers with the account opening process, following the Bank’s guidelines. 
• Assists customers with changes of address requests, profile updates, funds transfers’ request, call backs and all other inquiries.
• Responsible for growing revenue through loans, deposits, and other banking products. 
• Increase profits by establishing new accounts within the community while servicing established customer base.
• Assists in resolving customer problems beyond the supervisory level in all operational areas. 
• Performs BSA enhanced due diligence through daily monitoring of various customer transaction reports.
• Monitors debit/ATM fraud alerts and takes appropriate action.
• Assists customers with fraud and/or identity theft issues. 
• Handles Regulation E disputes and adjustments for the bank’s customers. 
• Manages the operation, security, servicing, and balancing of all branch ATMs
• Completes and files various bank reports on a quarterly basis. 
• Participates in monthly branch manager meetings. 
• Performs daily, weekly, monthly and quarterly auditing and reporting established by the bank’s policies and procedures. 
• Participates in training seminars in all operations areas.
• Supervises duties of tellers, coordinating their workflow and schedules and assist on teller line. 
• Ensures that all tellers handle themselves in a businesslike/professional manner in handling the customer needs.
• Assists Tellers with out-of-balance reconciliations ensuring appropriate corrections are made.
• Informs and updates team about all operational, procedural and policy changes.
• Identifies red flags to detect fraud and prevent losses to the Bank.
• Ensures all transactions performed are in accordance with established policies and procedures.
• Prepares weekly Teller work schedules and all work assignments to ensure all time periods are covered.
• Prepares daily totals and corresponding tickets for batch transactions.
• Handles customer inquiries regarding basic account information.
• Monitors and maintained an adequate supply of currency and coins.
• Balances cash drawer and vault according to established schedule and performance standards.
• Performs other duties as assigned. 

 MEMBER FDIC/EQUAL OPPORTUNITY-AFFIRMATIVE ACTION EMPLOYER/DRUG FREE WORKPLACE  

Requirements

• A minimum of three years of banking experience, primarily in branch operations.
• Knowledgeable of banking regulations, BSA compliance, anti-money laundering laws and regulations.
• Possess excellent business acumen and customer service skills.
• Excellent verbal, written and presentation skills.
• PC proficient in Microsoft Office applications including Word and Excel. 
• Completion of cross-selling and account opening training. 
• Completion of USCB teller training.