Universal Banker

Job Description

Job Description

Description:

The Universal Banker plays a key role in delivering a seamless and exceptional customer experience by performing both teller and personal banker duties. This position is responsible for building relationships with customers, addressing financial needs, and promoting bank products and services. The ideal candidate will possess strong communication skills, a customer-focused mindset, and the ability to handle various banking transactions effectively.

Essential Job Functions:

Customer Service and Relationship Building

• Serve as the first point of contact for customers, providing friendly, professional, and personalized service.
• Identify customer needs and recommend appropriate banking products, services, and solutions.
• Develop and maintain strong relationships with customers to enhance loyalty and satisfaction.

Banking Transactions

• Process routine banking transactions such as deposits, withdrawals, check cashing, and payments.
• Open and manage accounts, including checking, savings, and CDs.
• Assist customers with digital banking services, such as online and mobile banking.

Sales and Product Promotion

• Actively cross-sell products and services, such as loans, business accounts, etc.
• Educate customers on the benefits of bank products and services to match their financial needs.
• Participate in promotional activities to grow the branch’s customer base.

Compliance and Risk Management

• Adhere to all bank policies, procedures, and regulatory requirements to ensure compliance.
• Safeguard customer information and prevent fraudulent activities.
• Accurately maintain and balance cash drawers and other financial records.

Performs other related duties as assigned.

Knowledge, Skills, and Abilities:

• Strong interpersonal and communication skills, with the ability to build trust and rapport with customers.
• Sales-oriented mindset with the ability to achieve targets and goals.
• Proficiency in computer systems and banking software.
• High attention to detail and accuracy in handling financial transactions.
• Problem-solving skills and the ability to handle challenging situations calmly and effectively.

Preferred Qualifications:

• High school diploma or equivalent required; associate’s or bachelor’s degree in finance, business, or a related field preferred.
• 1-3 years of experience in retail banking, customer service, or sales preferred.

Physical Requirements:

• Prolonged periods sitting at a desk and working on a computer.
• Must be able to lift up to 15 pounds at a time.