Universal Banker 1

4 weeks ago


Statesboro, United States Morris Bank Full time
SUMMARY:

The Universal Banker plays a vital role in delivering a high-quality customer experience by performing both teller and customer service functions. The Universal Banker serves as the primary point of contact for customers in the branch, providing comprehensive service in both transactions and account management. This position combines cash-handling responsibilities with customer relationship management, providing a single point of contact for clients' financial needs. The Universal Banker is responsible for fostering a positive customer experience through efficient, accurate, and friendly service while also identifying opportunities to promote banking products and services.

ESSENTIAL FUNCTIONS:
  • Provides courteous and professional customer service by assisting customers with their banking needs.
  • Performs a variety of financial transactions accurately and efficiently such as processing deposits, withdrawals, payments, check cashing, money orders and handling inquiries about products and services.
  • Actively engages in cross-selling and referral activities to achieve branch sales targets by identifying and recommend products and services that meet customers' needs, such as checking accounts, loans, credit cards, and investment options.
  • Redeems U.S. Savings Bonds
  • Accepts loan payments and safe deposit box rental payments
  • Admits customers to safe deposit boxes
  • Answers inquires and provides information on various accounts, loan balances and other banking services
  • Balances transactions at end of day and verifies cash totals
  • Perform duties as defined in the Bank Secrecy Act/Anti-Money Laundering Program
  • Recommends, explains, and opens new deposit accounts for customers
  • Completes all necessary product and service documentation (such as preparing signature cards inputting account information into the system, ordering checks and ATM/Debit cards) to ensure customer needs are promptly and accurately satisfied and all security and legal requirements are met.
  • Assist customers with Debit card questions and disputes
  • May perform various administrative and other duties related to the operational function
  • Prepares various activity reports and information as needed
  • May sign such items as certified or cashier's checks.
  • Opens or closes safety deposit boxes; billing for boxes; assists with inventory of deceased customer's boxes. Maintains confidentially of customer accounts
  • Handles customers complaints related to the bank's services, explains service charges and follows through on misdirected items or errors
  • Identify and mitigate potential fraud risks by verifying customer information and transaction details
  • Document review: Reviewing documents for accuracy or legal compliance
  • Researches and resolves customers problems by serving as a liaison between the customer and the appropriate bank area
  • Assumes lead role in generating new customers relationship and expanding existing customers relationships
  • Identifies customer's needs and provides advice and information (rates, terms, features, benefits, restrictions, fees, disclosures) to assist customers in making decisions which suit their financial situation.
  • Handle customer complaints, troubleshoot problems, and escalate unresolved issues to management when necessary
  • Refers customers to specialize products and services to the appropriate area and/or person
  • Works closely with Electronic Banking to assist customers with Online Banking and Bill Pay questions or problems
  • Adhere to all banking regulations, policies, and procedures to maintain a secure and compliant environment
  • Originates wire transfer for customers as needed
  • Assist with charge backs at supervisor's request
  • Handle specific customer paperwork on request
  • Participate in ongoing training, and development programs to enhance product knowledge, customer service skills, and sales techniques.
  • Performs other task request by supervisor(s) as they relate to the bank and its functions
REQUIRED EDUCATION, EXPERIENCE AND SKILLS
  • High school diploma or equivalent; Associate's or bachelor's degree in business, Finance, or a related field preferred.
  • Previous experience in banking, customer service, or sales is highly desirable.
  • Strong knowledge of banking products, services, and regulations.
  • Excellent communication, interpersonal, and problem-solving skills.
  • Ability to work in a fast-paced environment, handle multiple tasks, and manage time effectively.
  • Proficient in using computer systems, including Microsoft Office Suite, and other banking software.
  • Cash-handling experience with attention to detail and accuracy.
  • Ability to work flexible hours, including weekends and holidays, as needed.
  • Ability to work independently and in a team environment.
  • Strong attention to detail, organizational skills, and problem-solving abilities.
POSITION SPECIFIC COMPETENCIES
  • Relationship management and communication skills
  • Proactivity
  • Sales and Cross Selling aptitude
  • Knowledge of banking products, services, and regulations
  • Problem-Solving skills
  • Compliance
  • Ability to handle cash and maintain a balanced cash drawer
  • Teamwork and Collaboration
  • Adaptability and Flexibility
WORKING CONDITIONS AND PHYSICAL REQUIREMENTS
  • Regular contact with general public.
  • May require travel to other offices to provide assistance and / or attend meetings. Also, travel for seminars and training may be required.
  • Requires lifting of heavy coins which involves short distance movement of coin bags, which may weigh as much as 50 lbs.
  • Position requires standing, stooping, kneeling, squatting and sitting. Must have ability to stand for long periods of time.
  • Receives currency from all sources causes environment to be slightly unclean.
  • Must be capable of operating all types of office equipment including computer, copy machine, fax and telephone.
  • Lobby environment requires professional demeanor and appearance. In the instance of a major or extensive natural disaster, epidemic or pandemic occurrence, or other disruption within our footprint, it may be necessary for associates to relocate before, during or after, to ensure business continuity.

EQUIPMENT USED

Computer, telephone, fax machine, scanner, copier, printer

SUPERVISORY REQUIREMENTS: None

The requirements listed above are representative of the knowledge, skill, and/or ability required. Reasonable accommodations can be made to enable individuals with disabilities to perform the essential functions.

This job description is not intended to be and should not be construed as an all-inclusive list of the responsibilities, skills, or working conditions associated with the position. While this job description is intended to accurately reflect the position's activities and requirements, management reserves the right to modify, add, or remove duties and assign other duties as necessary.

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