Universal Banker 1
The employment policy of the Bank provides equal opportunity to all persons. We support a diverse and inclusive work environment where colleagues are respected, treated fairly, and given equal opportunities to perform to their fullest potential. We believe it is only with a diverse and inclusive workplace that the organization can truly perform at its best, carry out its vision, and make a difference for the communities we serve.
NOTE: The information listed within this description summary is intended to indicate the general nature and level of work. It is not designed to contain or be interpreted as a comprehensive account of all the responsibilities, and/or minimum qualifications required of an employee assigned to this position.
Department: Retail
Operations Supervisor: Personal Banker 3
Reporting Supervisor: Branch Manager
Informs and sells Bank products to existing and potential customers on a daily basis. Perform all necessary functions to adequately service retail customers with the opening and ongoing maintenance of deposit accounts.
Essential Duties:
- Knowledge of all retail products and services.
- Analyzes customers' current and future banking needs in person and by telephone to sell bank products, which includes checking, savings, IRAs, certificates of deposit, and merchant services MasterCard/Visa.
- Perform all necessary verifications and processes for account opening.
- Help to resolve customer problems.
- Understands and effectively explains bank policies and regulations in order to obtain proper documentation for deposit accounts daily.
- Analyzes statement costs for customers and recommends ways customers can keep their service charges low to provide customer satisfaction.
- Provides back-up coverage for Safe Deposit Box.
- Communicates with departments about particular customers who we perceive as having additional business needs.
- Perform notarial acts as needed.
- Process online leads for new accounts.
- Process transactions accurately, assist with operational activities/responsibilities and maintain flexibility between performing teller and sales-related transactions.
- Balances assigned cash drawer on a daily basis, maintains appropriate drawer limits, adheres to all security precautions in respect to the cash drawer and the key to the cash drawer.
- Greets all customers as they walk into the lobby or pull in through the drive thru.
- Performs other duties as assigned.
Qualifications/Required Skills:
- A high school graduate, college degree or work experience equivalent.
- Well-developed customer and interpersonal skills.
- Ability to speak clearly, understandably, and listen to customers/prospective customers and co-workers.
- Ability to organize and prioritize tasks.
- Ability to question customers to determine their banking needs.
- Ability to sell Bank products including closing the sale.
- Knowledge of all Bank services and products, including those of our competition.
- Complete online courses as assigned for BSA, deposit and cross-sell products.
- Determine and, if needed, consult with supervisor on checks that may require a Regulation CC Hold.
- Interpreting policies/procedures and making exceptions as required.
- Responsible for working with customer on a daily basis to obtain and retain customers of the bank.
Working Conditions:
- Occasional travel may be required to attend seminars and meetings held at another location. Occasionally you may be required to work in other branches.
- On occasion, there will be meetings or training sessions that will require before or after work start time that is not regularly scheduled.
- 85% of working time will be spent in a sitting position at a desk.