Universal Banker

Universal Banker

Reports To: Retail Operations Manager

The Universal Banker is responsible for cultivating and maintaining strong relationships with customers, providing personalized banking solutions, and delivering high-quality service to meet customers’ financial goals. This role combines relationship-building responsibilities with daily teller transactions.

Key Responsibilities:

• Teller and Transaction Processing

o Accurately process routine teller transactions including deposits, withdrawals, payments, cash advances, loan payments, cashier’s checks, and money orders.

o Balance cash drawer daily and maintain accurate transaction records.

o Verify customer identification and ensure compliance with bank security procedures.

o Assist customers with night deposits, coin and currency orders, and safe deposit box access when applicable.

o Respond to customer inquiries regarding account balances, transaction history, and banking services.

• Customer Relationship Management:

• Establish and maintain relationships with new and existing customers, understanding their financial needs and goals.

• Provide tailored financial advice and recommend products/services to meet customers' needs.

• Act as a trusted point of contact for customers, addressing customer inquiries, ensuring a high level of satisfaction through personalized service.

• Follow up on customer satisfaction and ensure all service expectations are met.

• Open and manage personal and business accounts.

• Help customers with setting up bill payments, and other online banking services.

• Assist customers with account transactions, including stop payments, wire transfers, credit card application processing, debit card disputes.

• Complete necessary paperwork, update account records, and maintain accurate customer information.

• Monitor accounts for irregularities and provides guidance to customers on managing their accounts.

• Safeguard sensitive customer information and maintain confidentiality at all times.

• Identify potential risks and take appropriate action to mitigate them.

Qualifications:

Education & Experience:

• High School diploma or equivalent required

• Previous experience in a banking or customer service role is often required

• Strong communication and interpersonal skills.

• • Excellent customer service orientation and ability to build relationships.
  • Intermediate knowledge of banking products, services, and regulations.
  • Ability to multitask and manage time effectively.
  • Proficiency in banking software and technology.