Universal Banker II

 | FLSA: | Non-Exempt | POSITION TITLE:  | Universal Banker II
 | 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”; Universal Banker II  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.

·         Navigates multiple computer systems, applications, and utilizes search tools to find information.

·         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.

·         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

·         Process customer disputes on debit cards, checks, ACH’s & check 21

·         Records, files, updates information, prepares wire transfers and sorts mail or reports as required.

·         May gather data and process various reports (e.g., currency transaction, returned items, overdrafts, callbacks, etc.)

·         May assists in balancing vault currency and coin.

·         Will 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

·         Operate computer terminal and other office machinery to process transactions, count currency, scan signature cards and complete other required tasks as needed.

·         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.

·         Participate in bank training to enhance skill set and meet compliance requirements.

·         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.

·         Assist in Training Tellers and Universal Bankers

·         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

·         Actively prospect for consumer lending and consumer/commercial credit card opportunities

·         Foster teamwork in the branches to ensure a positive overall customer experience and positive work environment.

·         Proactively cross sell clients, engaging in discussions regarding additional products and services provided by the bank and referring the clients to appropriate staff.

·         Uncovers opportunity to cross-sell the Bank’s products and services, referring customers to appropriate staff as indicated. 

·         Will handle 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.

·         Resolve account service issues and respond to client inquiries promptly, professionally, and efficiently.

·         Provides an excellent customer experience and assists in resolving problems within given authority.

·         Processes wire transfers.

·         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.

·         Assists customers with Online Banking inquiries

·         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.

·         Answering telephones, answers questions and direct callers to proper Bank personnel, responsibilities will include escalated calls.

·         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.

·         Additional duties related to the Officer position

 

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 three years of related experience and/or training, 1 year of Universal Banker experience, required; or two year or related experience or training and an Associate’s degree in accounting and1 years of experience preferred.

·         Basic computer skills to meet production needs of the position.

·         Basic skills in computer terminal and personal computer operation; word processing and spreadsheet software.

·         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.

·         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

 

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.