FLSA:
Non-Exempt
POSITION TITLE:
Universal Banker
CATEGORY:
Full Time
LOCATION:
Branch
SHIFT:
Mon–Fri; 7:00AM–6:00 PM
(shift may vary, some Saturdays may be required, and some overtime may be required)
REPORTS TO:
Customer Service Manager or Branch Manager
Summary
At Herring Bank, our mission is to build “Relationships for a Lifetime”; the Universal Banker is the face of our company and holds an essential role in delivering on our mission by providing an outstanding Customer Experience. The position of Universal Banker is responsible for performing routine branch and customer services duties; accepts retail and commercial checking and savings deposits; processes loan payments; cashes checks and savings withdrawals; promotes business for the Bank by maintaining good customer relations and uncovering customer needs-referring customers to appropriate staff for new services. Universal Bankers help safeguard the Bank by adhering to the Control Binder in operational and regulatory compliance, internal controls and procedures. The position of Universal Banker is to provide excellent customer service and maximize relationships with clients by meeting their needs with both in-person contact and as a technological resource. Develops business checking and deposit relationships with customers that meet compliance guidelines and protect the assets of the bank.
Essential Duties
Reasonable accommodations may be made to enable individuals with disabilities to perform the essential functions.
Receives retail and commercial checking and savings deposits; determines that all necessary deposit documents are in proper form, verifies cash, and issues receipts.
Cash checks, savings withdrawals and makes cash advances; confirms all necessary documents are properly authorized, are in proper form and are within authorized limits; uses due diligence to make decisions when questionable items are presented for cashing.
Operates computer terminal or personal computer to process account activity, determine balances, and resolve problems within given authority.
Willhandle a high volume of inbound calls from assigned call queues and should seek to create a positive experience for each caller. Listen to customers to understand the reason for their call, address all questions or complaints, and provide an accurate and efficient response.
Issues official checks, money orders, and redeems savings bonds.
Assists with night depository duties; logs bags, processes deposits, makes change orders, issues receipts and returns bags to customers.
Uncovers opportunity to cross-sell the Bank’s products and services, referring customers to appropriate staff as indicated.
Performs safe deposit duties by controlling access and assisting customers.
Receives and processes stop payment and hold orders.
Accepts loan and installment payments.
Balances cash drawer daily, including periodic batching of negotiated checks, and verifies cash being returned to the vault by end of shift.
Buys and sells currency from the vault as necessary, ensuring that teller drawer cash limits are not exceeded
Periodically batches negotiated checks
Provides an effective customer experience and assists in resolving problems within given authority.
Process customer disputes on debit cards, checks, ACH’s & check 21
Assists customers with Online Banking inquiries
Records, files, updates information, prepares wire transfers and sorts mail or reports as required.
Answers telephones and directs callers to proper Bank personnel.
May gather data and process various reports (e.g., currency transaction, returned items, overdrafts, callbacks, etc.)
May assists in balancing vault currency and coin.
May assist in ATM balancing and machine errors.
Maintains files, copies and faxes documents.
Follows all bank policies and procedures by adhering to the Control Binder
Order personal and commercial checks, deposit tickets and stamps through the Whit-co website.
Order debit cards through the Card Issuance website or issue debit cards from the branch Pic station.
Operate computer terminal and other office machinery to process transactions, count currency, scan signature cards and complete other required tasks as needed.
Resolve account service issues and respond to client inquiries promptly, professionally, and efficiently.
Foster teamwork in the branch to ensure a positive overall customer experience and positive work environment.
Opens personal and business DDA Accounts, CD’s and IRA’s as well as educating the customer and promoting Online Banking, Bill Pay, Direct Deposit, Debit Cards, etc.
Proactively cross sell clients, engaging in discussions regarding additional products and services provided by the bank and referring the clients to appropriate staff.
Processes wire transfers.
Participate in bank training to enhance skill set and meet compliance requirements.
Execute daily NSF report
Perform duties related to opening and closing the bank as prescribed by supervisor.
Assist in daily opening and closing of the vault to retrieve night deposits, fulfill cash needs, and balancing.
Complete and submit necessary compliance-related documentation as needed, i.e. CTR’s,
Monetary Instrument Sales Logs, and UAR’s
Regularly assess supply levels of bank tickets, forms and general office supplies making sure there are always sufficient levels to operate the branch. Order necessary supplies if delegated to do so by supervisor.
Must participate in referral programs and achieve minimal referral expectations for the team and individual goals.
Must participate in new customer prospecting through existing customers, outside sales calls, business new-hire orientations, community or pre-scheduled events
Must be organized, self-motivated and team player
Ability to operate a personal computer
Punctuality and good attendance are imperative
Cross-sell the Bank's other products and services, referring customers to appropriate staff as indicated.
Foster teamwork in the branch or department to ensure a positive overall customer experience and positive work environment.
Answer Telephones, answer questions and direct to the correct Bank personnel
Participate in bank training to enhance skill set and meet compliance requirements.
Non-Exempt - Ability to work your schedule up to 40 hours with little or no overtime and complete tasks assigned.
Minimum Requirements
These specifications are general guidelines based on the minimum experience normally considered essential to the satisfactory performance of this position. The requirements listed below are representative of the knowledge, skill and/or ability required to perform the position in a satisfactory manner. Individual abilities may result in some deviation from these guidelines.
Must be able to pass a Teller Test, Customer Service Test, Background and Credit check.
High school diploma or general education degree (GED); and at least 18 months of cash handling experience required or two years of Retail Banking experience and/or training or Associates Degree in related field preferred.
Basic math skills; calculate interest and balance accounts; add, subtract, multiply and divide in all units of measure, using whole numbers, common fractions and decimals; locate routine mathematical errors; count currency, coin and negotiable instruments in a timely manner.
Effective oral, written and interpersonal communication skills with the ability to apply common sense to carry out instructions, interpret documents, understand procedures, write reports and correspondence, speak clearly to customers and employees.
Ability to deal with routine problems involving multiple facets and variables in standardized situations.
Good organizational and time management skills.
Basic experience, knowledge and training in branch operation activities, terminology and products and services.
Basic knowledge of related state and federal banking compliance regulations, and other Bank operational policies.
Excellent social and networking skills to support the community bank image
Complete in-house training based on requirements set up for this position
Proven ability to provide an Excellent Customer Experience
Basic skills in computer terminal and personal computer operation; word processing and spreadsheet software.
Effective oral, written and interpersonal communication skills with the ability to apply common sense to carry out instructions and instruct others, interpret documents, understand procedures, write reports and correspondence, speak clearly to customers and employees.
Effective Time management skills
Ability to maintain confidentiality at all times
Ability to work with minimal supervision while performing duties.
Ability to deal with routine problems involving multiple facets and variables.
Must follow company policies, all state and federal laws, regulations and guidelines
Current driver's license and a vehicle with appropriate insurance coverage if required to drive in the course of performing assigned duties and responsibilities.
The incumbent must be able to perform this position safely, without endangering the health or safety to themselves or others.
Secondary Duties
The position of Universal Banker performs duties specific to the position and other functions as assigned.
Supervisory Responsibilities
The position of Universal Banker has no supervisory responsibility.
Environment and Physical Activity
The environment for this position is an open office that is mostly clean and comfortable and may include driving a personal-owned vehicle approximately 20% of the time which includes exposure to the outside weather elements and moving mechanical parts. It may include some minor annoyances such as noise, odors, drafts, etc. The incumbent is in a non-confined office-type setting in which he or she is free to move about at will.
The incumbent in the course of performing this position spends time writing, typing, speaking, listening, lifting (up to 10 pounds), carrying, seeing (such as close, color and peripheral vision, depth perception and adjusted focus), driving, sitting, pulling, walking, standing, squatting, kneeling and reaching.
The incumbent for this position may operate any or all of the following: telephone, copy and fax machines, adding machine (calculator), check protector, money counter, credit card terminal, computer terminal, personal computer and related printers.
Mental Demands
The incumbent in this position must be able to accommodate to reading documents or instruments, detailed work, problem solving, customer contact, reasoning, math, language, presentations, verbal and written communication, analytical reasoning, stress, multiple concurrent tasks, and constant interruptions.
MEMBER FDIC – EQUAL OPPORTUNITY EMPLOYER
This is not necessarily an exhaustive list of all responsibilities, duties, skills, efforts, requirements or working conditions associated with the job. While this is intended to be an accurate reflection of the current job, management reserves the right to revise the job or to require that other and/or different tasks be performed as assigned.