Universal Banker

Department: Retail Banking

Reports To: Branch Manager

Supervises: None

Last Updated: 11.20.2024

Summary: Serves as a point of contact for customer experience-related activity for the branch, including teller transactions as well as proactive sales and service, for personal and business customers.

Major Duties & Responsibilities:

• Receive checks and cash for deposit to accounts, verify amounts, examine checks for proper endorsement, and enter deposits into computer records
• Cash checks and process withdrawals after verification of signatures and balances
• Receive, verify, and enter loan and other payments
• Provide a complete range of customer services, including opening, maintaining, and closing accounts
• Count, check, package, and order coins and currency
• Balance cash drawer at the end of the shift/day
• Relationship Building:
  • Drives branch growth through outbound prospecting and community engagement.
  • Consults with and advises customers about all bank products and services.
  • Uncovers needs for personal and business deposit accounts and loans after thorough needs-based consultation.
  • Interviews and gathers customer information, opens new deposit accounts.
  • Creates an enhanced customer experience with an “all-in-one” approach to relationship building.
• Electronic Banking:
  • Makes recommendations for personal and business electronic products, enrolling both personal and business customers
  • Demonstrates, onboards, and supports e-banking customers (ACH, wires, bill pay, mobile deposit, mobile banking, personal finance, remote deposit capture.)
  • Assists customer with self-service devices, whether in-person or remotely in a virtual capacity.
  • Other duties as assigned.

Education, Experience & Requirements:

• Bachelor’s or Associate’s Degree in finance field preferred or related experience
• Successful completion of in-house training program
• Experience in a banking/lending environment preferred

Physical & Mental Demands:

• Stand, walk, sit, stoop, reach with hands or arms, occasionally move up to 25 pounds, and use hands to finger, handle, or feel objects, tools, or controls
• Talk, hear, write, read, type, understand technical manuals, manipulate numbers, and communicate effectively in person, on the phone, and via letter/e-mail
• Effectively organize, prioritize, and complete work assignments, and deal with frequent and/or multiple interruptions
• Learn duties/tasks in a reasonable amount of time
• Perceive clearly at both close and long range, and possess adequate peripheral vision, depth perception, color distinction, and focusing ability