Senior Universal Banker

1 month ago

Franklin, United States Dean Co-Operative Bank Full time
Job DescriptionJob Description

JOB SUMMARY: Under the direction of Branch Management, employees in this position provide banking products and services to new and existing customers. Uses sales, relationship management and business development skills to generate and nurture business while maintaining a comprehensive understanding of consumer and business deposit products and related services. Adheres to customer confidentiality standards and regulations at all times, including time away from the workplace. Provides assistance to customers in processing banking transactions. Customer Service skills are critical to this position along with sales skills that focus on customers' needs.

HOURS: Monday-Thursday 8am-4:30pm; Friday 10am-6pm OR 8am-4:30pm AND at least two Saturdays per month from 8am-12:30pm

ESSENTIAL FUNCTIONS - Listed below are some of the essential functions to carry out this job.

  • Greets and assists customers and provides general banking services and information. Ensures confidentiality of all customer transactions.
  • Identifies and acts upon sales and business relationship opportunities.
  • Provides exceptional service to existing or potential customers in person, electronically, by mail or by telephone while adhering to bank standards and policies. Builds customer rapport in compliance with regulations and bank guidelines.
  • Actively seeks out opportunities to sell and cross-sell banking products to include financial services and all ancillary services in response to customer needs.
  • Responds to customer inquiries.
  • Accurately processes the full array of deposit and loan transactions in a secure and confidential manner in compliance with Bank policy, practice and banking regulations.
  • Performs supporting account file maintenance and completing mandatory forms.
  • Completes end-of-day procedures and proof of assigned cash drawer. Maintains cash levels within prescribed limits.
  • Completes various tasks including but not limited to filing, coin rolling, reporting, ATM, ECR and Vault balancing, coin machine and cash dispenser maintenance.
  • Open, onboard, maintain consumer and business accounts.
  • Maintains knowledge of policies and procedures with respect to wire transfers, approving checks, and overrides.
  • Opens and closes branch office and vault as needed.
  • Provides customer assistance with new accounts, account options and error resolution.
  • Assists customers with safe deposit access. Ensures that security procedures are followed.
  • Maintains a complete knowledge of the bank's product offerings.
  • Ensures confidentiality of all customer transactions. Opens all accounts offered by the bank. Conducts loan application interviews; explains policies, terms, etc., reviews applications for completeness and accuracy. Closes loans in branch as necessary.
  • Participates in onboarding and training of employees.
  • Understands and observes all Bank Secrecy Act requirements and completes currency transactions reports as needed.
  • Follows all security policies and use of security equipment.
  • Complete and onboard online deposit account applications and customers.
  • Once approved as Notary, provides notary services to Bank customers as needed.
  • Once assigned to this role, Senior Universal Bankers are required to maintain a valid registration through the National Mortgage Licensing System. Responsible for being in full compliance with all applicable requirements of the Secure and Fair Enforcement for Mortgage Licensing Act of 2008 (S.A.F.E Act)
  • Attends mandatory training and completes online assignments for regulatory compliance as scheduled.
  • Assists with preparing daily, weekly and monthly branch reports as required.
  • Serves as a bank ambassador by participating in external bank-sponsored events and local networking and business development opportunities.
  • Attends mandatory monthly branch meetings and quarterly retail round table branch meetings

In addition to all the essential functions required for a Universal Banker, this position may assume the following responsibilities:

  • Acts as Assistant Manager / Branch Manager in absence of Branch Manager / Assistant Branch Manager.
  • Daily vault and branch cash management.
  • Provide supervisor overrides.
  • Assists with staff scheduling.
  • Verifies incoming cash shipments.
  • Supervises vault operations and procedures. Assists Universal Bankers with complex transactions and in dealing with problem customers.
  • Monitors staff to ensure compliance with the Bank's policies and procedures.
  • Assists in taking care of branch building, grounds and equipment.
  • Interviews loan applicants, underwrites loan applications and makes recommendations for approval. Completes loan documentation and conducts loan closings in branch as necessary.
  • Prepares and delivers branch reports. Performs cash and security audits.
  • Orders and maintains branch office supplies.

SUPERVISORY RESPONSIBILITIES - Universal Bankers

QUALIFICATIONS, EDUCATION REQUIREMENTS AND PREFERRED SKILLS

To perform this job successfully, an individual must be able to perform each essential duty satisfactorily. The requirements listed below are representative of the knowledge, skill, and/or ability required. Reasonable accommodations may be made to enable individuals with disabilities to perform the essential functions.

  • High School diploma or equivalent. Associates or Bachelor's degree preferred.
  • Minimum two years' experience in a successful sales and service environment or related Banking experience preferred.
  • Supervisory experience preferred.
  • Excellent communication, interpersonal, customer service, sales/business development and organizational skills. Familiar with PC and tablet technologies. Able to perform basic math functions.
  • Ability to read and interpret documents such as memos, disclosures, training manuals, Help screens and policy and procedure manuals. Ability to communicate effectively with colleagues and customers of the Bank.

WORKING CONDITIONS

The work environment characteristics described here are representative of those the employee encounters while performing the essential functions of this job.

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 regularly required to use hands to finger, handle, or feel; reach with hands and arms; and talk or hear. The employee is generally required to stand and walk. The employee must occasionally lift and/or move up to 50 pounds. Specific vision abilities required by this job include close vision, distance vision, color vision, peripheral vision, depth perception, and ability to adjust focus.

Work Environment

Typical office environment. The work environment characteristics described here are representative of those an employee encounters while performing the essential functions of this job. Reasonable accommodations may be made to enable individuals with disabilities to perform the essential functions. The noise level in the work environment is usually moderate.

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