Under supervision, the Universal Banker will be responsible for assisting customers in a dual role function. The role is responsible for providing an exceptional in-branch customer experience by handling every customer need including teller transactions, sales, and service.
Utilizing a needs-based selling approach, the Universal Banker will provide solutions based on customer needs and how they like to conduct their banking. In addition, this position will be responsible for referrals to the other lines of business to meet the customer’s financial needs.
The Universal Banker will work with the banking team in attaining banking center goals and constantly striving to improve the profitability of the banking center.
PRIMARY & ESSENTIAL RESPONSIBILITIES:
A. Transaction/Sales Responsibilities:
1. Universal Bankers are responsible for offering and selling financial products and services to both consumer and small business customers. Including, but not limited to:
a. Checking and Savings Accounts
b. Certificates of Deposit
c. Individual Retirement Accounts (IRAs)
d. Health Savings Accounts
e. Deposit only business relationship customers with non-lending needs
2. Operates a teller window regularly to meet the needs of the banking center.
3. Provides exceptional customer service while listening for sales opportunities, explains and promotes bank products or services to customers and actively participates in the referral program, and strives to meet goals (as determined by individual banks).
4. Effectively use sales skills such as effective listening, adapting to differences in customers, identifying needs, expanding and deepening customer relationships, responding to verbal and non-verbal clues, presenting solutions through product benefits, establishing a clear difference, overcoming resistance, asking for the business, completing the sale, nurturing relationships, and establishing methods for follow-up.
5. Follow up with prospects and current customers to promote new products and services and/or thanking customers for an existing business.
6. Actively monitor the status of key customer relationships to promote business growth and service quality, Increase the number of services used per customer to increase both profits and customer retention.
7. Maintains confidentiality in handling customer and bank information.
8. Follows security policies and procedures to prevent bank and customer losses.
9. Resolves customer complaints.
10. Maintains a detailed level of knowledge on retail products and services and conversational knowledge of non-retail products (e.g., mortgage, insurance, wealth management)
11. Works collaboratively with the banking team to achieve customer service and sales objectives
a. Actively participates in banking center sales activities
B. Operations Responsibilities:
1. Responsible daily for all teller operations
2. Maintains an acceptable Cash Over and Short account according to the bank policy guidelines.
3. Prepares Currency Transaction Reports and Monetary Instrument logs.
4. Must be security conscious and comply with all Bank Secrecy Act/Anti-Money Laundering requirements, Privacy of Customer Information Policy, and all consumer protection laws, regulations, and Bank policies as related to assigned job duties.
5. Opens and closes the banking center according to bank security policy.
REQUIRED SKILLS & EXPERIENCE:
1. High School Diploma/GED. Bachelor’s Degree preferred.
2. 1-3 years of experience in sales & customer service
3. Previous teller or cash handling experience preferred, but not required
4. Experience providing high-quality customer service
5. High attention to detail
6. Experience working in a team environment
7. Ability to count and balance cash
8. Ability to read and interpret documents such as policy and procedure manuals
9. Demonstrated ability to multi-task and manage time
10. Knowledge of MS Office, Windows and ten key calculator
11. Must satisfy requirements of the Federal Deposit Insurance Act Sec. 19