Universal Banker

Summary Statement of the Job: Will serve in a dual-purpose role which requires a candidate to

fulfill responsibilities of both a (Teller) and a (Relationship Banker). Provide customer service

in an efficient manner with professional demeanor and appearance. Must be able to work with

minimal supervision. Assist with managing a cash draw to support the Teller line as needed, as

well as maintaining a balancing record within guidelines. Enhances and supports overall· selling

of bank products through professional and courteous interactions with both customers and

employees. Understand the new account opening process as well as maintenance. Develop teleconsulting

traits, to actively call customers as well as prospects. Operate with an NMLS license,

as well as understand different types of loans, services and products to offer customers and

prospects. Maintain the ability to identify the needs of customers through effective questioning

and listening techniques. Maintain strong sales and service presentation skills. Adhere to Bank

policies and procedures. Self-motivator. Perform other duties as assigned by management.

This could possibly be a floating universal banker position within the Banking Center network,

which will require possible daily travel to other banking centers.

Principle Duties and Responsibilities:

1. Serve customers; walk-in and drive-in in a courteous and professional manner by

processing a variety of transactions; deposits, withdrawals, checks, money orders,

traveler's checks, redeeming bonds; ensures all necessary information is in place

prior to completing transactions.

2. Attract new customer relationships; retain and expand existing customer

relationships; initiates referrals and cross-sell bank products and services as set by

bank management.

3. Assist and /or support other banking centers when needed.

4. Follow bank policies and procedures.

5. Advises and counsel new and existing customers on all branch financial services.

6. Maintain and balance cash drawer on a daily basis.

7. Meet referral goals set by management.

8. Support Senior Teller in maintaining a balancing record that is in line with policy;

find and correct outages and enlist help as needed for difficult errors.

9. Provide assistance to Senior Teller by assisting Teller's with answering questions,

resolving customer issues and performing Teller duties as needed.

10. Open and processes accounts, products, and/or services for customers after

consulting with them on their specific needs. Assist customers whenever possible.

11. Solicits cross-sells and opens new accounts according to guide lines

12. Demonstrate a deep understanding of products and present benefits by crossselling

to existing and new customers.

13. Achieve personal sales goals and actively participate in banking center sales and

marketing activities.

14. Establish customer relationships, conduct telephone prospecting, outbound calls.

15. Solicits loan applications, obtains appropriate documentation, follows up and

closes loans accurately the first time.

16. Perform other duties as assigned by management.

Other Duties and Responsibilities:

1. Handle daily incoming / outgoing collections items / wires.

Relieve Teller's/RB's at assigned banking centers, reg10n banking centers (if

applicable) when warranted

2. Assist in monthly negotiable/ cash audits as needed

3. Travel within region banking centers as needed

4. Must be able to work weekends when warranted

5. Other duties as assigned

Minimum Experience:

2 to 3 years or more retail banking or related background

Education:

High school diploma or equivalent. Banking courses and/or

related studies.

Skills and Abilities Required:

A high level of interpersonal and professional skills that .

represents the bank in a positive manner. Responsible for maintaining accurate customer records

as well as organization skills. Demonstrate the ability to develop and maintain strong customer

relationships. The ability to identify the needs of customers through effective questioning and

listening techniques. The ability to handle customers and employees and their queries in a

positive, friendly, helpful and knowledgeable manner. PC experience. Excellent

communication skills.