Universal Banker

Job description

Universal Banker Position

Client Service:

• Represents the bank to the client in a courteous, professional manner providing prompt, efficient, and accurate service in processing transactions.
• Greet Clients and assist them to different Departments.

• Identify the unmet needs of current and potential clients and offer appropriate products and services.
• Assist Clients with Online Banking Enrollment forms
• Open new accounts (Personal and Business)
• Refer and Process Credit card Applications
• Refer clients to other departments
• Refer Product and Services
• Contacting existing clients to refer

• Promote and provide information to clients on new and enhanced products to improve client relations.
• Print and supply Product and service information to Clients
• Answer questions regarding Products and Services

Transactional Activity:

• Process clients' deposits, withdrawals, loan payments, loan and cash advances, Cashier's checks, wire transfers and examines checks for endorsement and negotiability.
• Process Client Transactions (listed above)
• Process Credit Card Payments
• Process Mail transactions

• Assist clients with access to safe deposit boxes, address changes & travel notifications.
• Assists Clients with access to their Safe Deposit Box
• Completes Change of address forms
• Adds travel notifications and notifies Deposit Operations to update their Debit card

• Responsible for balancing each day's transactions and verifying cash totals for his/her station. Reviews work to locate any differences and ensure that all differences are properly initialed and reported to the Universal Banker Supervisor
• End of day balancing

• Adheres and complies with all Bank policies and procedures, in addition to Federal and State regulations
• Completed all BSA Annual Training

• Possesses knowledge about bank security and emergency procedures (Robbery procedures, extortion/bomb threat, fire, power failure and tornado/take cover procedures)
• Knowledge of the procedure
• Each UB has a robbery kit on hand and knowledge of how to use it

• Employee is required to report suspicious client and employee activity to the Bank Security Officer as soon as they become aware of the suspicious activity. Failure to report suspicious activity is grounds for termination.
• Knowledge on how to detect scams and fraudulent items and brings them to the supervisor's attention

• Answer's client questions and solves problems for clients and branch staff concerning services provided. Listens to problems, collecting data, securing answers, and reporting result to interested individuals.
• Answer incoming Client phone calls
• Answer reception overflow calls
• Assist clients with fraudulent activity found on their account
• Process Stop payments
• Process Account Maintenance
• Process Account Verifications
• Process Loan payments from internal accounts by phone

• Responsible for ATM balancing and recording.
• Balancing ATM 1 and ATM 8

• Identify and inform clients of the account status discrepancies and disputes and provide options to resolve. Verify the accuracy of client information within Navigator i.e., driver's license, contact information and client address
• Knowledge of how to accurately verify clients in person and by phone

• Troubleshoot issues with debit cards, online banking & account issues.
• Unlock Online Banking for Personal Online Banking
• Process Maintenance on Debit Cards
• Print Debit Cards
• Maintain Existing accounts

• Responsible for checking night depository bags and recording proper information.
• Process Night Drop (verify deposits from the Night Drop and Process the transactions)

• Aids in opening and closing procedures of the branch office.
• Balancing the Vault
• Increasing/Decreasing TCR 1-4
• Buying and Selling to/from the vault
• Open and close the Vault
• Completing the nightly checklist
• Verifying branch numbers

• Aids the deposit operations department to ensure customer items are handled in a timely manner.
• Communicating client needs with Operations
• Uploading documents into SharePoint

• Perform prompt follow-up and follow-through and document the outcome of the services provided.
• Collect and correct client information
• Contact customers when needed by phone
• Communicating the outcome with supervisors as needed

• Recognize client needs and build upon development of relationships by listening for trigger words in conversation or being aware of personal or family changes. Make recommendations to appropriate services and products they currently may not be using to ensure exceptional client service.
• Listening for Client opportunities. Referring Products and services to meet their needs

• Comply and work toward the branch goals to achieve and/or exceeded branch growth potential.
• Continually referring products and services to gain and retain clients

• Actively offers in performs client service such as opening personal and business accounts for new and existing clients, as well as client account changes and maintenance.
• Add/Remove Signers to personal and business accounts
• Maintain Existing accounts
• Assist Clients with Safe Deposit box opening and access
• Opening new accounts

• Recognizes and provides referrals for other Bank services such as, Oak Leaf Financial, Oak Mortgage Insurance, Oak Title and Trust.
• Listening for opportunities and client's needs. Refers to other departments when needed

• Accepts loan applications and assists with loan application process.
• Process Overdraft Protection (including running credit)

• Additional Responsibilities
• Answer questions from other branches
• Travel to other branches to work when needed
• Check cameras
• Process Audits (drawer, branch, Cashier's Check, Dual Control, etc.)
• Maintain the Coin Machine
• Order Supplies for the other Branches (as needed)
• Prepare Supply Orders for other Branches (as needed)
• Order Currency from Chase (Friday or Monday)
• Prepare Cash to sell to Chase (Tuesday)
• Review the Newspaper to recognize clients (death notices, accomplishments) and write cards accordingly.

Job Type: Full-time

Pay: $15.00 - $17.00 per hour

Benefits:

• 401(k)
• 401(k) matching
• Dental insurance
• Employee assistance program
• Flexible spending account
• Health insurance
• Health savings account
• Life insurance
• Paid time off
• Vision insurance

Physical Setting:

• Office

Schedule:

• 8 hour shift
• Day shift
• Holidays

Education:

• High school or equivalent (Preferred)

Experience:

• Banking: 1 year (Preferred)
• Customer service: 1 year (Preferred)

Work Location: One location