What are the responsibilities and job description for the Universal Banker I position at Century Bank?
Reports to: Assistant Branch Manager
Department: Retail
Non Exempt/Exempt: Non Exempt
Summary
The Universal Banker I (UBI) is responsible for providing exceptional customer service while handling teller transactions, ordering checks, and ordering debit cards. In addition, they will begin to cross-train in other aspects of the Branch Operations and Customer Service. This includes assisting clients with Online Banking services using a variety of devices. The UBI will work with operations and the Branch sales team to achieve branch goals in the areas of deposit growth, market growth and fee income while controlling losses and expenses. The UBI will be responsible for maintaining essential controls and safeguards. The UBI will also take on other duties as assigned.
Essential Functions
Primary responsibilities include:
Providing Exceptional Service
- Accurately process transactions in a timely and professional manner
- Constantly look for ways to improve processes that will improve the customer’s experience and communicate those ideas to Branch Management
Generating Business / Deepening Customer Relationships
- Meets or exceeds established branch referral and sales goals for both business and consumer clients
- Partner introductions to Commercial Lending, Private Banking and Treasury Management
Performance Management
- Maintain current knowledge of all Federal and State laws and regulations, along with the Bank’s policies and procedures (complete all BAI training)
- Process teller transactions in an accurate and timely manner (e.g. deposits, withdrawals, payments, transfers, check cashing, negotiable purchasing and daily balancing)
- Process and validate accuracy of coin and currency amounts related to incoming and outgoing cash shipments
- Responsible for monitoring and maintaining cash recycler
- Processes assigned reports and/or job duties in an accurate and timely manner
Maintenance and Servicing of Existing Accounts
- Performs customer service requests on existing accounts timely and accurately
- Can assess and address customer complaints (knowledge of Consumer complaint procedure)
- Reviews and recommends additional products and services based on customer profile assessment
Compliance with Regulations and Bank Security Program Requirements
- Demonstrates a working knowledge of all banking regulations and completes compliance and security training assignments (BAI) in a timely manner.
- Balances client service and risk management
- Complies with all bank policies and procedures including but not limited to:
- Currency Transaction Report (CTR)
- Community Reinvestment Act (CRA)
- Unfair, Deceptive or Abusive Acts or Practices (UDAAP)
- REG D Policy
- FCRA & FACT Act – credit reports, fraud and military alerts and confidential customer information
Knowledge, Skills, and Abilities Required
- High School Diploma or Equivalent
- Excellent interpersonal skills
- Excellent communication skills – ability to communicate effectively in person, by phone or in writing
- Demonstrates accuracy and attention to detail – cash handling and data entry
- Comfortable with technology – a variety of software and hardware systems including smart phones, tablets, and laptops
- Creative problem solver
- Superior time management skills
- Self-motivated and flexible
- Ability to listen and assess
Regulatory Compliance
As a bank employee, you are responsible for following established policies and procedures related to bank regulations including the Bank Secrecy Act (BSA), Anti-Money Laundering (AML), OFAC, and the USA Patriot Act. This includes attending required training, reporting all suspicious activity to the BSA Compliance Officer, and following policy/procedure as it pertains to your job responsibilities. Failure to follow established policies and procedures will result in disciplinary action that may include termination.
