The position of Universal Banker is responsible for regularly supporting the Operations Officer; ensures branch operational activities run smoothly and efficiently; promotes business for the Bank by maintaining good customer relations and referring customers to appropriate personnel for new services. The position of Universal Banker is required to be completely knowledgeable and skilled in the areas of new accounts, teller, vault, vault teller, safe deposit and branch operations, and is expected to provide leadership, training and support to less experienced tellers and other staff members.
Open accounts for new customers and prepare new account paperwork, applications and request the required identification
Provides support to all assigned areas of branch operations where service or assistance is needed.
Reinforces the application of superior customer service through his or her own example along with appropriate follow through with involved customers and employees.
Receives checking and savings deposits by determining that all necessary deposit documents are in proper form, and issuing receipts.
Cashes checks, savings withdrawals and makes cash advances; confirms all necessary documents are properly authorized, are in proper form and are within authorized limits; makes decisions when questionable items are presented for cashing.
Promotes and cross-sells the Bank’s products and services by assisting customers in their selection to meet their needs.
Establishes proper identification of new customers and determines need and extent of reference investigation.
May participate in assuring quality control in regards to audits and certifications.
Issues official checks, money orders, traveler’s checks, etc.
Performs safe deposit duties by opening accounts, controlling access, assisting customers and processing affiliated reports.
Assists other branch offices is resolving operational inquiries and providing staff support.
Receives and processes stop payment and hold orders.
Accepts loan, installment and collection payments.
Balances cash drawer daily and verifies cash being returned to the vault.
Balances teller differences as it relates to general ledger accounts; maintains accurate teller balancing records; balances branch cash totals.
Provides effective customer service and assists in resolving problems within given authority.
- Records, files, scans documents, updates information, prepares wire transfers and sorts mail or reports as required.
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.
High school diploma with an Associate’s degree (AA) or equivalent from a 2 year college or technical school; or 2 or more years of related experience and/or training; or the equivalent combination of education and experience. Work related experience should consist of a financial institution cash handling and/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.
Intermediate experience, knowledge and training in branch operation activities, terminology and products and services.
Intermediate knowledge of related state and federal banking compliance regulations, Bank operational policies and procedures, and the Bank’s products and services.
Intermediate skills in computer terminal and personal computer operation; host computer system; word processing, spreadsheet and account opening software programs
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.
Must be bilingual in English and Spanish to effectively assist clients.