Universal Banker

Description Responsible for providing superior customer service to clients by processing transactions, recognizing client needs and recommending the appropriate product and/or service. Open, maintain and close all types of transactions and deposit accounts in an efficient manner. Direct the daily work of all tellers within the office and ensure orderly operations of teller staff and the vault. Generate referrals as well as coach tellers on sales and referral techniques/opportunities. ESSENTIAL DUTIES and RESPONSIBILITIES include, but are not limited to the following: Strong knowledge of all bank products and services, to include features and benefits.Present various options and suggestions that best fit the needs of each client. Participate in bank's referral and sales programs, sales campaigns, and sales training in order to meet specific goal expectations on a weekly, monthly, quarterly and/or yearly basis. Coordinate daily with Branch Manager regarding sales and service operations. Coach tellers to meet their daily sales referral goals and provide excellent customer service. Prepare necessary documents to open new accounts and maintain accounts based on client's specific needs. Assist clients with loan-related questions and processes. Prepare loan clients for what to expect during the loan application process and uncover opportunities for further exploration. Prepare contracts; renew IRA Certificates and all related IRA transactions. Open, redeem, and calculate interest on Certificates of Deposit. Assist customers with Safe Deposit Box rentals in accordance with the FNB Safe Deposit Box Manual. Ensure that all negotiable instruments, Safe Deposit Box records, and confidential records in the work area are properly secured each day. Balance vault cash, ATM, and branch totals in addition to monthly teller cash audits. Ensure that vault cash is managed under dual control to include vault transactions, cash orders/shipments, audits, and the proper strapping and dating of currency denominations from teller to Federal Reserve. Show empathy and compassion toward customers when assisting with requests, complaints, research and follow-up on details to resolve matters to the customer's satisfaction. Ensure each teller balances daily, provide assistance to locate differences, ensure that all differences are properly initialed and, if required, report to manager immediately. Possess a constant awareness of lobby activity to efficiently and effectively service customers (i.e.) adjust time spent on new account transactions when additional customers are waiting. Knowledge of competing bank's products, promotions, and operations to effectively make recommendations to gain strength within that market. Ensure that dual control policies are known and followed by all staff members where ever dual control procedures are in place. Authority to open and close branch following proper security procedures Authorization to sign official checks and CD's, not to exceed $50,000 and to complete teller system overrides. Make outbound sales calls to current and prospective clients. Run a teller window as needed. Flexibility with work schedules to accommodate branch staffing requirements in order to service needs and create a work environment conducive to teamwork. Other duties as assigned EDUCATION and/or EXPERIENCE: High School diploma or General Education degree (GED); College degree preferred Minimum of two (2) years retail banking experience as a teller or customer contact/sales position. Minimum of one (1) year opening new accounts, sales and operations preferred. Previous supervisory and sales experience highly preferred OTHER SKILLS and ABILITIES: Ability to lead and motivate a team and constant involvement in the bank's referral program. Must have excellent judgment/decision making skills, time management and organizatio

Created: 2024-10-19