Universal Banker / Customer Service Representative

Job Overview
The Universal Banker / Customer Service Representative provides exceptional customer service while performing a wide range of teller, account servicing, and administrative functions. This role processes financial transactions, supports retail banking operations, maintains account files, and assists customers with products and services while ensuring compliance with all Bank policies, procedures, and regulatory requirements.

Principal Duties and Responsibilities

Customer Service & Transactions

• Greet and assist customers in a professional and courteous manner.
• Process deposits, withdrawals, transfers, loan payments, and check cashing.
• Issue money orders, receipts, debit cards, and other customer service items.
• Answer customer questions and resolve concerns or escalate when needed.
• Maintain a balanced cash drawer and follow cash handling procedures.
• Provide support for retail products including checking, savings, CDs, IRAs, credit cards, and safe deposit boxes.

Account & Operational Support

• Maintain new and closed account files and documentation.
• Monitor reports (including EFT/debit card activity) for accuracy and follow up as needed.
• Assist with correspondence and follow-up on customer accounts.
• Provide administrative support to retail bankers, officers, and departments.
• Assist with audits, file requests, reporting, and data gathering.
• Perform filing, recordkeeping, and general clerical duties.
• Provide backup support across retail banking and teller functions.

Compliance & Risk

• Follow all Bank policies, procedures, security standards, and regulatory guidelines.
• Maintain confidentiality of customer, employee, and Bank information.
• Adhere to dual control, internal controls, AML/BSA requirements, and report suspicious activity.
• Ensure safe banking practices and protect Bank assets.

Sales & Service Support

• Identify customer needs and refer appropriate products or services.
• Support cross-selling efforts to contribute to Bank growth.
• Stay current on systems, products, policies, and industry changes.

Additional Responsibilities

• Assist management and other departments with special projects.
• Perform other duties as assigned.

Knowledge, Skills, and Abilities

• Strong customer service and interpersonal skills.
• Effective communication and business writing skills.
• Knowledge of retail banking products and services.
• Ability to handle cash accurately and maintain attention to detail.
• Ability to adapt to changing priorities and work in a fast-paced environment.
• Proficiency with computer systems, Microsoft Office, and banking software.
• Ability to maintain confidentiality and exercise sound judgment.

Education and Experience

• High school diploma or equivalent required.
• Cash handling or banking/customer service experience preferred.
• Additional training as required by management.

Physical and Mental Requirements

• Regularly sit, stand, walk, type, talk, hear, and see.
• Use hands and arms to handle objects and operate equipment.
• Lift up to 10 pounds regularly and up to 50 pounds occasionally.
• Ability to manage stress, meet deadlines, and make sound decisions.

Work Relationships

• Reports to Retail Banking Officer or CSR/Teller Supervisor.
• Works closely with retail banking staff, loan personnel, accounting, compliance, and other departments.
• Regular interaction with customers and Bank officers.

Pay: $18.00 - $21.00 per hour

Benefits:

• Health insurance
• Opportunities for advancement
• Paid sick time
• Paid time off
• Retirement plan

Work Location: In person