Universal Banker

SUMMARY

The Universal Banker is responsible for performing intermediate duties and support related to branch operational activities

and financial services by processing all new account-related transactions. Assists customers in their selection of various

accounts and financial services; cross-sells the Bank’s products and services; opens, maintains and closes all account

types; performs branch clerical duties; promotes business for the Bank by maintaining good customer relations and

referring customers to appropriate staff for new services.

ESSENTIAL DUTIES

• Performs intermediate duties and support related to branch operational activities and financial services by processing all new account-related transactions.
• Assists consumer and business customers in their selection of various accounts, products and financial services available from the Bank; and ensures cross-sell opportunities are presented by applying professional sales techniques.
• Interviews customers to obtain information; establishes proper identification of new customers; determines need and extent of reference investigation; and assists customers in completing credit applications.
• Provides support to all assigned areas of branch operations where service or assistance is needed, including new accounts, teller, safe deposit, vault teller and lending; and provides leadership, training and support to less experienced new account representatives and other branch staff members.
• Discusses, prepares and processes documents related to the Bank’s ELECTRONIC BANKING services.
• Discusses and accepts merchant card applications for submission to the BANKCARD SERVICES DEPARTMENT.
• Makes decisions regarding the opening of new deposit accounts and loans; assigns account numbers; completes forms requiring customer signature(s); checks credit history; accepts initial deposits; and prepares all documents and items pertaining to checking accounts, savings accounts and certificates of deposit for processing.
• Operates personal computer to process account activity; determine balances and resolve problems within given authority.
• Processes various loan transactions; consumer, commercial and real estate loan payments and advances; processes reports and callbacks.
• May represent the Bank in various community, civic, and community reinvestment functions to further enhance the Bank’s image and develop additional business.
• Provides effective customer service by answering customer questions; investigates and corrects errors; and resolves problems or other issues.
• Issues official checks, certificates of deposit (COD), etc.
• Performs safe deposit duties by opening accounts, controlling access, assisting customers and processing affiliated reports.
• Receives and processes stop payment and hold orders.
• Presents funds received from customer to teller for initial deposits; determines funds availability and obtains receipt for customer.
• Processes credit reports, wire transfers, address changes, check and deposit slip orders, and endorsement stamp orders.
• Records, files, scans documents, updates information and sorts mail or reports as required.
• Gathers data and process various reports and callbacks.
• Answers telephones and directs callers to proper Bank personnel.
• Processes loan and credit/debit card applications, card ordering and file maintenance.
• Processes statements, renewal notices and interest payments for IRA and certificates of deposit accounts.
• May assist in opening and closing the vault daily; assists in balancing vault currency and coin.
• Cross-trains less experienced branch personnel.
• Types routine letters reports and forms.
• Maintains files, copies and faxes documents, and orders and distributes supplies.
• Performs official notary service duties.
• Treats people with respect; keeps commitments; Inspires the trust of others; works ethically and with integrity; upholds organizational values; accepts responsibility for own actions.
• Demonstrates knowledge of and adherence to Equal Employment Opportunity (EEO) policy; shows respect and sensitivity for cultural differences; educates others on the value of diversity; promotes working environment free of harassment of any type; builds a diverse workforce and supports affirmative action.
• Assures compliance with all Bank policies, procedures and processes, and all applicable state and federal banking laws, rules and regulations; adheres to Bank Secrecy Act (BSA) responsibilities that are specific to the position.
• Completes administrative tasks correctly and on time; supports the Bank’s goals and values; benefits the Bank through outside activities.
• Performs the position safely, without endangering the health or safety to themselves or others and will be expected to report potentially unsafe conditions. The employee shall comply with occupational safety and health standards and all rules, regulations and orders issued pursuant to the OSHA Act of 1970, which are applicable to one’s own actions and conduct.

SECONDARY DUTIES

The position of Universal Banker performs duties specific to the position and other functions as assigned.

SUPERVISORY RESPONSIBILITY

The position of Universal Banker is not responsible for the supervision of any employee(s); however the incumbent

is required to provide leadership, training and support to less experienced new account representatives and other

branch staff members.

ENVIRONMENT AND PHYSICAL ACTIVITY

The incumbent is in a non-confined office-type setting in which he or she is free to move about at will. The position

includes driving a Bank or personal owned vehicle approximately 25% 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 in the course of performing this position spends time writing, typing, speaking, listening, lifting (up to 35

pounds), driving, carrying, seeing (such as close, color and peripheral vision, depth perception and adjusted focus), sitting,

pulling, walking, standing, squatting, kneeling and reaching.

The incumbent for this position may operate any or all of the following: telephone, smart phone, copy and fax machines,

adding machine (calculator), check protector, scanner and image systems, scanning equipment, encoder, money counter,

credit card terminal, typewriter, computer terminal, laptop computer, personal computer, tablet, printers, or other equipment

as directed.

The work environment characteristics described here are representative of those an employee encounters while

performing the essential functions of this job.

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.

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.

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.

• Associate’s degree (AA) or equivalent from a 4-year college or technical school; or 4 years of related experience and/or training; or the equivalent combination of education and experience. Work related experience should consist of a financial institution operations, sales or customer service background. Educational experience, through in-house training sessions, formal school or financial industry related curriculum, should be business or financial industry related.
• Registered with the Nationwide Mortgage Licensing System and Registry as a mortgage loan originator in accordance with the Secure and Fair Enforcement for Mortgage Licensing Act (the “SAFE Act”).
• Intermediate experience, knowledge and training in branch operation activities, terminology and products and services relating to retail and commercial account customers.
• Intermediate knowledge of related state and federal banking compliance regulations, and other Bank operational policies.
• Intermediate skills in computer terminal and personal computer operation; host computer system; and word processing, spreadsheet and account opening software programs.
• Intermediate typing skills to meet production needs of the position.
• Intermediate knowledge of general office practices.
• 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 verbal, written and interpersonal communication skills with the ability to apply common sense to carry out instructions, interpret documents, understand procedures, write reports and correspondence, and speak clearly to customers and employees.
• Ability to deal with difficult problems involving multiple facets and variables in non-standardized situations.
• Effective organizational and time management skills.
• Ability to work with minimal supervision while performing duties.
• Current driver’s license and a vehicle with appropriate insurance coverage if required to drive in the course of performing assigned duties and responsibilities