Summary

Universal Banker provides exceptional customer service promptly and efficiently processing customer transactions and promote positive public relations.  Contributes to the attainment of bank office sales goals and related objectives by promoting the bank's products and services and by generating leads and referrals. The Universal Banker plays a key role in providing retail banking services and products to customers.  The Universal Banker is the prime position to develop new business opportunities with current and potential customers. 

Essential Duties and Responsibilities

            Reasonable Accommodations Statement:

To accomplish this job successfully, an individual must be able to perform, with or without reasonable accommodation, each essential function satisfactorily.  Reasonable accommodations may be made to help enable qualified individuals with disabilities to perform the essential functions.

Customer Service:

• Represents the bank to the customer in a courteous, professional manner, and for providing prompt, efficient, and accurate service in processing transactions.
• Identify the unmet needs of current and potential customers and offer appropriate products and services.
• Promote and provide information to customers on new and enhanced products to improve customer relations.

Transactional Activity:

• Process customers’ deposits, withdrawals, loan payments, loan and cash advances, cashier’s checks, wire transfers and examines checks for endorsement and negotiability.  Assist customers with access to safe deposit boxes, address changes & travel notifications.
• Identify and inform customers of account status discrepancies and disputes and provide options to resolve. Verify the accuracy of customer information within Navigator i.e. drivers license, contact information and customer address.  
• Troubleshoot issues with debit cards, online banking & account issues.
• Responsible for checking night depository bags and recording proper information.
• Responsible for ATM balancing and recording.
• Responsible for balancing each day’s transactions and verifying cash total for his/her station. Reviews work to locate any differences and ensure that all differences are properly initialed and reported to the Head Teller.
• Provides assistance for the deposit operations department to ensure customer items are handled in a timely fashion.
• Provides assistance in opening and closing procedures of the branch office.
• Answers customer questions and solves problems for customers and branch staff concerning services provided.  Listens to problems, collecting data, securing answers, and reporting result to interest individuals.
• Perform prompt follow-up and follow-through and document the outcome of the services provided.
• Adheres and complies with all Bank policies and procedures, in addition to Federal and State regulations.
• Possesses knowledge about bank security and emergency procedures (robbery procedures, extortion/bomb treat, fire, power failure and tornado/take cover procedures).
• Employee is required to report suspicious customer or employee activity to the Bank Security Officer as soon as they become aware of the suspicious activity.  Failure to report suspicious activity is grounds for termination.

Cross Selling Services:

• Recognize customer needs and build upon development of relationships by listening for trigger words in conversation or being aware of personal or family changes.  Make recommendations to appropriate services and products they currently may not be using to ensure exceptional customer service.  
• Comply and work toward the branch goals to achieve and/or exceeded branch growth potential.
• Actively offers and performs customer services such as opening personal and business accounts for new and existing customers, as well as customer account changes and maintenance.  Accepts loan applications and assists with the loan application process.  Recognizes and provides referrals for other Bank services, such as; Oak Leaf Financial, Oak Mortgage Insurance, Oak Title and Trust.

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Summary

Under general supervision, but acting according to established policies and procedures, assures highest quality of customer satisfaction.  Provides basic cash receipt and payment services.  Responsible for balancing and reviewing his/her station daily.  Promotes and explains banks services such as IRA’s, CD’s, Safe deposit boxes, money orders, opening new accounts, and maintaining account records. Performs complex transactions independently.  Balances cash drawer at end of shift. 

Essential Duties and Responsibilities

• Adheres and complies with all Bank policies and procedures, in addition to Federal and State regulations.
• Represents the bank to the customer in a courteous, professional manner, and for providing prompt, efficient, and accurate service in processing transactions.
• Receives checks and cash for deposit to savings and checking accounts, verifies deposit amounts, examines checks for endorsement and negotiability, and enters transactions into bank records via an on-line teller terminal.
• Receives payments for such loans as mortgages, home equity, installment, ensuring that payments equal the amount due and that all-late charges, if applicable are collected.  Enters payments received into the bank’s records via on-line terminal.
• May be responsible for checking night depository bags and recording proper information.
• May be responsible for ATM balancing and recording.
• Responsible for balancing each day’s transactions and verifying cash total for his/her station. Reviews work to locate any differences and ensure that all differences are properly initialed and reported to the Head Teller.
• Provides assistance for the deposit operations department to ensure customer items are handled in a timely fashion.
• Answers customer questions and solves problems for customers and branch staff concerning services provided.  Listens to problems, collecting data, securing answers, and reporting result to interest individuals.
• Actively offers and performs customer services such as opening new accounts, establishing direct deposits, opening retirement accounts, Certificates of Deposit, open & close safe deposit boxes, processes cash advance transactions, money orders, government bonds, tax payments, foreign currency exchange, and accepting stop payments orders. Handles wire transfers and assures accurate and efficient performance of all account maintenance, balancing, and all reconciliation functions.
• Possesses knowledge about bank security and emergency procedures (robbery procedures, extortion/bomb treat, fire, power failure and tornado/take cover procedures).
• Employee is required to report suspicious customer or employee activity to the Bank Security Officer as soon as they become aware of the suspicious activity.  Failure to report suspicious activity is grounds for termination.

See full job description

Summary

Under general supervision, but acting according to established policies and procedures, assures highest quality of customer satisfaction.  Provides basic cash receipt and payment services.  Responsible for balancing and reviewing his/her station daily.  Promotes and explains banks services such as IRA’s, CD’s, Safe deposit boxes, money orders, opening new accounts, and maintaining account records. Performs complex transactions independently.  Balances cash drawer at end of shift. 

Essential Duties and Responsibilities

• Adheres and complies with all Bank policies and procedures, in addition to Federal and State regulations.
• Represents the bank to the customer in a courteous, professional manner, and for providing prompt, efficient, and accurate service in processing transactions.
• Receives checks and cash for deposit to savings and checking accounts, verifies deposit amounts, examines checks for endorsement and negotiability, and enters transactions into bank records via an on-line teller terminal.
• Receives payments for such loans as mortgages, home equity, installment, ensuring that payments equal the amount due and that all-late charges, if applicable are collected.  Enters payments received into the bank’s records via on-line terminal.
• May be responsible for checking night depository bags and recording proper information.
• May be responsible for ATM balancing and recording.
• Responsible for balancing each day’s transactions and verifying cash total for his/her station. Reviews work to locate any differences and ensure that all differences are properly initialed and reported to the Head Teller.
• Provides assistance for the deposit operations department to ensure customer items are handled in a timely fashion.
• Answers customer questions and solves problems for customers and branch staff concerning services provided.  Listens to problems, collecting data, securing answers, and reporting result to interest individuals.
• Actively offers and performs customer services such as opening new accounts, establishing direct deposits, opening retirement accounts, Certificates of Deposit, open & close safe deposit boxes, processes cash advance transactions, money orders, government bonds, tax payments, foreign currency exchange, and accepting stop payments orders. Handles wire transfers and assures accurate and efficient performance of all account maintenance, balancing, and all reconciliation functions.
• Possesses knowledge about bank security and emergency procedures (robbery procedures, extortion/bomb treat, fire, power failure and tornado/take cover procedures).
• Employee is required to report suspicious customer or employee activity to the Bank Security Officer as soon as they become aware of the suspicious activity.  Failure to report suspicious activity is grounds for termination.

See full job description