Universal Banker I - Houston County
Universal Banker I - Houston County
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Salary Not Disclosed
1 Vacancy
Job Description
SUMMARY:
The Universal Banker plays a vital role in delivering a highquality customer experience by performing both teller and customer service functions. The Universal Banker serves as the primary point of contact for customers in the branch providing comprehensive service in both transactions and account management. This position combines cashhandling responsibilities with customer relationship management providing a single point of contact for clients financial needs. The Universal Banker is responsible for fostering a positive customer experience through efficient accurate and friendly service while also identifying opportunities to promote banking products and services.
ESSENTIAL FUNCTIONS:
- Provides courteous and professional customer service by assisting customers with their banking needs.
- Performs a variety of financial transactions accurately and efficiently such as processing deposits withdrawals payments check cashing money orders and handling inquiries about products and services.
- Actively engages in crossselling and referral activities to achieve branch sales targets by identifying and recommend products and services that meet customers needs such as checking accounts loans credit cards and investment options.
- Redeems U.S. Savings Bonds
- Accepts loan payments and safe deposit box rental payments
- Admits customers to safe deposit boxes
- Answers inquires and provides information on various accounts loan balances and other banking services
- Balances transactions at end of day and verifies cash totals
- Perform duties as defined in the Bank Secrecy Act/AntiMoney Laundering Program
- Recommends explains and opens new deposit accounts for customers
- Completes all necessary product and service documentation (such as preparing signature cards inputting account information into the system ordering checks and ATM/Debit cards) to ensure customer needs are promptly and accurately satisfied and all security and legal requirements are met.
- Assist customers with Debit card questions and disputes
- May perform various administrative and other duties related to the operational function
- Prepares various activity reports and information as needed
- May sign such items as certified or cashiers checks.
- Opens or closes safety deposit boxes; billing for boxes; assists with inventory of deceased customers boxes. Maintains confidentially of customer accounts
- Handles customers complaints related to the banks services explains service charges and follows through on misdirected items or errors
- Identify and mitigate potential fraud risks by verifying customer information and transaction details
- Document review: Reviewing documents for accuracy or legal compliance
- Researches and resolves customers problems by serving as a liaison between the customer and the appropriate bank area
- Assumes lead role in generating new customers relationship and expanding existing customers relationships
- Identifies customers needs and provides advice and information (rates terms features benefits restrictions fees disclosures) to assist customers in making decisions which suit their financial situation.
- Handle customer complaints troubleshoot problems and escalate unresolved issues to management when necessary
- Refers customers to specialize products and services to the appropriate area and/or person
- Works closely with Electronic Banking to assist customers with Online Banking and Bill Pay questions or problems
- Adhere to all banking regulations policies and procedures to maintain a secure and compliant environment
- Originates wire transfer for customers as needed
- Assist with charge backs at supervisors request
- Handle specific customer paperwork on request
- Participate in ongoing training and development programs to enhance product knowledge customer service skills and sales techniques.
- Performs other task request by supervisor(s) as they relate to the bank and its functions
REQUIRED EDUCATION EXPERIENCE AND SKILLS
- High school diploma or equivalent; Associates or bachelors degree in business Finance or a related field preferred.
- Previous experience in banking customer service or sales is highly desirable.
- Strong knowledge of banking products services and regulations.
- Excellent communication interpersonal and problemsolving skills.
- Ability to work in a fastpaced environment handle multiple tasks and manage time effectively.
- Proficient in using computer systems including Microsoft Office Suite and other banking software.
- Cashhandling experience with attention to detail and accuracy.
- Ability to work flexible hours including weekends and holidays as needed.
- Ability to work independently and in a team environment.
- Strong attention to detail organizational skills and problemsolving abilities.
POSITION SPECIFIC COMPETENCIES
- Relationship management and communication skills
- Proactivity
- Sales and Cross Selling aptitude
- Knowledge of banking products services and regulations
- ProblemSolving skills
- Compliance
- Ability to handle cash and maintain a balanced cash drawer
- Teamwork and Collaboration
- Adaptability and Flexibility
WORKING CONDITIONS AND PHYSICAL REQUIREMENTS
- Regular contact with general public.
- May require travel to other offices to provide assistance and / or attend meetings. Also travel for seminars and training may be required.
- Requires lifting of heavy coins which involves short distance movement of coin bags which may weigh as much as 50 lbs.
- Position requires standing stooping kneeling squatting and sitting. Must have ability to stand for long periods of time.
- Receives currency from all sources causes environment to be slightly unclean.
- Must be capable of operating all types of office equipment including computer copy machine fax and telephone.
- Lobby environment requires professional demeanor and appearance. In the instance of a major or extensive natural disaster epidemic or pandemic occurrence or other disruption within our footprint it may be necessary for associates to relocate before during or after to ensure business continuity.
EQUIPMENT USED
Computer telephone fax machine scanner copier printer
SUPERVISORY REQUIREMENTS: None
The requirements listed above are representative of the knowledge skill and/or ability required. Reasonable accommodations can be made to enable individuals with disabilities to perform the essential functions.
This job description is not intended to be and should not be construed as an allinclusive list of the responsibilities skills or working conditions associated with the position. While this job description is intended to accurately reflect the positions activities and requirements management reserves the right to modify add or remove duties and assign other duties as necessary.
Employment Type
Full-Time
