A Universal Banker must have exceptional customer service and sales skills and consistently maintain a positive attitude. The Universal Banker must be a team player who is supportive of management and Bank policies. An employee in this position may be required to perform Loan Rep, Customer Service Representative and Teller duties (more than one duty is required to be classified as a Universal Banker). This depends on the needs of the Office. A Universal Banker must be dedicated to work dual positions on daily basis. This person is considered a critical link between the Bank and our customers. A genuine interest in serving the customer is the key to becoming a successful Universal Banker.
This person performs a variety of duties to provide existing and potential customers with efficient and accurate services. Cross-sells the bank’s products and services to existing and potential customers. Will have extensive contact with customers and the public, conduct relationships in a manner that will enhance the overall marketing of bank products and services. Stays involved with community organizations and community projects. Adherence to and support of all compliance and BSA/AML rules and regulations related to this job function. Performs other duties that may be assigned by Management.
This position may fall under the requirements of the Secure and Fair Enforcement Act position for Mortgage Licensing depending on job duties which may require successful registration with, and issuance of a unique identification number from, the Nationwide Mortgage Licensing System (NMLS) in compliance with the Secure and Fair Enforcement for Mortgage Licensing Act of 2008 (S.A.F.E. Act).
Responsibilities and Duties as a Customer Service Representative:
1. New Accounts Function
a. Must have and retain extensive knowledge of bank products and services in order to serve the customer effectively.
b. Cross-sell bank products and services to achieve the bank’s minimum cross sale ratio standards.
c. Sells the different types of accounts and services available to customers and assists in the selection of the most appropriate one for customers’ needs.
d. Completes paperwork for each account opened. Example: Deposit Pro, Fiserv, and JD Bank Referral Tracking System.
e. Completes check order and balancing orders.
f. Computer input and maintenance of new accounts.
g. Handles CD functions such as regulatory requirements, paperwork, safekeeping, input, and maintenance.
h. Follow up on leads and referrals in order to produce new bank relationships.
i. Responsible for the administration of safe deposit boxes, including but not limited to, opening new safe deposit box accounts, maintaining contracts (new , changes and cancellations), monitor past due accounts, follow proper procedures when drilling safe deposit boxes, and any other administrative duties.
1. Professional Development
a. Participate in all training that will benefit this position and as assigned by COO.
b. Utilize JD Bank Referral Tracking System to achieve sales goals.
c. Represent the bank at bank sponsored events, with community organizations and with community projects in order to promote banks products & services.
2. Maintain and perform all sales and operational duties using policies and procedures outlined by the bank.
3. Responsible for all other bank sales duties as assigned by supervisor.
Responsibilities and Duties as a Teller:
1. Basic Teller Duties
a. Opens night depository vault and night deposit bags
b. Pays and receives.
c. Sells cashier’s checks.
d. Collects funds for cash items.
e. Receives note payments.
f. Processes customer request for credit card cash advances.
g. Accepts Municipal Bond Coupons.
h. Redeems U.S. Savings Bonds for deposit or cash.
i. Assists vault teller.
j. Balance and maintain large volumes of coin from the Coin Star counter
k. Operates 2 – 4 wheel dolly for coin and currency shipments, currency counter, and teller machines.
l. Rotates in balancing teller cash dispenser (TCD).
m. Rotates for extended hours (7:30 AM - 6:30 PM), Monday through Friday. Rotation of Saturday banking hours may be included.
n. Assists in safe deposit box customer entry.
In addition to the above basic duties you must have extensive knowledge and be able to effectively complete all of the following additional teller duties:
1. Vault Teller
a. Sets and resets alarm system.
b. Opens and closes currency vault.
c. Fills currency sales and purchases from all tellers and for vault.
d. Maintains cash vault inventory and control.
e. Maintains records for vault.
f. Breaks down all currency received from Federal Reserve Bank.
g. Collects all mutilated money, proves and prepares for shipment.
h. Checks teller windows and drawers.
a. Local and foreign: maintains, receives, pays and records.
b. Banks drafts: control, receives, pays and records.
c. Transits: cash advances, sundry banks, municipal bonds and coupons
d. Inputs bond 1099 information.
e. Inputs currency orders and shipments.
f. Balances and maintains cashier’s checks.
Responsibilities and Duties of Loan related functions
a. Completes laser pro worksheets as requested by loan officers.
b. Prepare loan documents for Imaging; weekly verify that documents have been imaged and are legible
c. Funds loans, including reviewing all documents received from the central loan services area for correctness, explanation of terms, rate, collateral, etc. to borrow, obtaining signatures on all required loan documents, and disburse loan proceeds.
d. Organizes and maintains credit and collateral files for new and renewed loans.
e. Monitor and logs credit and collateral files sent and returned from the central loan service area for documentation review.
f. Flood determination
g. Daily review of hazard and flood insurance that has been placed on collateral; contact agents and customers to correct errors or lack of coverage.
h. Maintain and perform all sales and operational duties using policies and procedures outlined by our Bank.
1. The interpersonal skills necessary to relate to and empathize with other people and to maintain a friendly, cheerful, and courteous demeanor through the day.
2. Must possess superior organizational skills, communication skills and capable of making good judgments.
3. Must have a professional appearance and manner at all times.
4. General knowledge of processing software (Microsoft Word and Excel) preferred.
A Universal Banker must be able to consistently work a required schedule as assigned. Work schedule for a Universal Banker will vary depending upon location, but will consist of an 8-hour shift between the hours of 7:30 a.m. – 6:30 p.m., Monday through Friday. Rotation of Saturday banking hours may be included. Occasional overtime may be required. Schedule may require representing the company after hours at related functions, customer calls or training. Regular attendance is required. Universal Banker will be required to travel.
The physical demands described here are representative of those that must be met by an employee to successfully perform the essential functions of this job. Reasonable accommodations may be made to enable individuals with disabilities to perform the essential functions.
While performing the duties of this job, the employee is regularly required to stand; walk; sit; use of hands and fingers to feel or handle equipment and files; reach with hands and arms; and talk and hear. The employee is occasionally required to climb or balance and stoop, kneel, or crouch. The employee must occasionally lift and/or move up to 25 pounds. Specific vision abilities required by this job include close vision, distance vision, color vision, depth perception, and ability to adjust focus.
High school diploma or general education degree (GED).
One year of teller experience in a financial institution with additional training in a business-related area.
6 months experience with new accounts and customer service in a financial institution.
Business degree from a technical school and/or college helpful.
Proficient at operating a computer, typing/word processing, ten key number pad, printer, fax machine, and copier.