Universal Banker Jobs

Job Summary

The Universal Banker provides exceptional service to current and potential customers. This position assists with deposit account opening and maintenance, safe deposit box operation and teller line transactions. This is a full-time position, and the normal hours of work are Monday through Friday, 8:00 a.m. to 5:00 p.m.

Essential Functions include the following. Other duties may be assigned.

Customer Service

• Recognizes clients’ needs and recommends products and best practices.
• Provides assistance with balance inquiries, address changes, internet banking and account maintenance.
• Completes domestic and international Wire Transfer forms and checks for accuracy.
• Collects and documents required client information on multiple computer applications. Assures that signature cards and other required documents are completed correctly.
• Assists customers in opening and accessing safety deposit boxes.
• Opens, closes, and maintains accounts according to Bank procedure and State & FDIC regulations; has a fundamental understanding of the computer system, to assure that accounts are appropriately entered.
• Maintains a complete understanding of all products offered by the Bank.

Teller/Cash Handling

• Processes daily Branch Capture.
• Maintains an adequate cash drawer at all times; buys and sells currency from the vault, as necessary.
• Issues Cashier’s Checks and Money Orders.
• Cashes checks and process transfers.
• Operates Coin machine.
• Prepares Currency Transaction Reports (CTRs)
• Accepts retail and/or commercial deposits, loan payments, process checking and savings account withdrawals.
• Balances cash drawer in accordance with Bank procedures and regulations.
• Understands and follows Restricted/Dormant Account Procedures.
• Follows teller procedures as instructed by Manager.
• Identifies and reports counterfeit bill suspects and any other suspicious or questionable items received.

Security

• Monitors High Risk Customers.
• Understands robbery procedures.
• Recognizes and reports all suspicious or fraudulent activity, including check kiting and uncollected funds swindles.
• Maintains the highest level of confidentiality with all bank and customer information.

Regulations and Compliance

• Completes all required annual compliance training and adheres to all Citizens' compliance policies including BSA.
• Understands and follows compliance on IRA’s, Levy's, Garnishments, Attachments, Power of Attorney, Personal Representatives, Legal requirements for Corporations.
• Understands and follows regulation DD (Truth in Savings) Regulation E (Electronic Funds Transfer) Regulation CC (Availability of Funds and Collection of Checks).
• Maintains knowledge of all Bank Regulations including BSA/AML and CIP procedures.
• Follows all Bank Procedures and Policies.

Miscellaneous

• Learns new products and system updates.
• Distributes incoming mail and processes outgoing mail
• Cross trains and assists in other area, when needed.

Education

High School diploma or equivalent

Training and Experience

• Customer service experience in financial services industry preferred.
• Strong computer skills and the ability to learn job-related software, proficient in Microsoft Word, Excel, and Outlook.
• Ability to respond effectively to inquiries from internal team members and customers and demonstration of excellence in customer service.
• One-year cash handling experience.

Physical Demands

The physical demands described here are representative of those that must be met by an employee to successfully perform the essential functions of this job. Reasonable accommodations may be made to enable individuals with disabilities to perform the essential functions.

While performing the duties of this job, the employee is required to stand; walk; sit; reach with hands and arms; stoop, kneel, or crouch. The employee must occasionally lift and/or move up to 25 pounds. Work involves extensive use of computers and may include occasional pushing, pulling, or carrying objects weighing up to 25 pounds. Must be able to speak clearly and hear and understand normal conversations in person and over the phone. The noise level in the work environment is usually moderate.

Travel

This position will be based at a specific branch location but will require the flexibility to work at other branch locations as needed.

Equal Opportunity Employer/Veteran/Disabled