Universal Banker II

PSB BANK•Hermann, MO

8d•Onsite

About The Position

Provides comprehensive customer service with primary responsibility for opening and maintaining deposit accounts, explaining and recommending Bank products and services, supporting digital banking and card services, and completing related account documentation and maintenance. The Universal Banker II serves new and established customers with accuracy, professionalism, and a strong understanding of Bank products, procedures, and customer identification requirements, and may perform teller transactions when needed. This banker would represent the bank in the community and educate consumers on bank products and services.

Requirements

High school diploma or equivalent.
Thorough knowledge of Bank products and services.
Excellent communication and customer-service skills.
Strong selling and cross-selling skills.
Excellent time-management skills with the ability to multi-task and follow through with commitments.
Strong organizational, planning, prioritization, and detail-orientation skills.
Ability to work effectively with customers under time constraints and interact professionally with employees at all levels of the organization.

Nice To Haves

Success as a Universal Banker II is demonstrated through accurate and compliant account opening and maintenance, strong customer service, effective product knowledge and referrals, reliable support of digital banking and card services, sound judgment, and consistent execution of branch procedures.
Progression to Lead Universal Banker or broader branch leadership responsibilities depends on sustained performance, demonstrated readiness, expanded knowledge and capability, organizational need, and available opportunities; it is not based solely on tenure.

Responsibilities

Promote PSB Bank by building strong customer relationships, identifying customer needs, and referring customers to appropriate Bank personnel when additional services are appropriate.
Explain and support Bank products and services, including checking and savings accounts, IRAs, health savings accounts, certificates of deposit, safe deposit boxes, debit and credit cards, mobile banking, online banking and bill pay, remote deposit capture, cash management, and other Bank offerings.
Cross-sell appropriate products and services and provide courteous assistance to new and established customers.
Assist customers with routine service requests and resolve or appropriately escalate questions and concerns.
Open new accounts in accordance with established procedures, including entering customer information, verifying identity, completing OFAC screening, preparing forms, obtaining required signatures, indexing documents, and submitting information to the core system.
Ensure required customer identification information and documentation are collected and complete before opening accounts.
Prepare contracts and access cards for safe deposit box rentals as necessary.
Scan and index required documents in the Bank's document imaging system.
Process customer requests for name and address changes, stop payments, check orders, wire transfers, unauthorized ACH matters, debit card disputes, and other assigned account services.
Perform check-back review of new account information entered in the core system or Internet Banking system and complete applicable call-back procedures for new Internet Banking users.
Issue ATM or debit cards and instruct customers regarding proper use.
Assist customers with Internet Banking and Mobile Banking access and use.
Monitor, update, and control inventory of cards and forms related to the ATM/debit card program.
Prepare and mail replacement debit cards for cards scheduled to expire in accordance with established procedures.
Examine deposited checks to determine appropriate funds availability and place holds when required by Bank procedures and applicable requirements.
Perform teller and other customer-service transactions when needed to support branch operations.
Follow Bank policies, procedures, customer identification requirements, OFAC screening requirements, funds-availability requirements, privacy standards, and other applicable legal and regulatory requirements when opening or servicing accounts.
Maintain accurate and complete account records, forms, signatures, supporting documentation, and imaging.
Protect confidential customer and Bank information and use sound judgment when handling account information and transaction requests.
Complete required account-monitoring and customer-notification procedures in accordance with Bank procedures and applicable requirements.
Promptly escalate suspected fraud, documentation deficiencies, unusual activity, customer-identification concerns, or other operational or compliance issues to the Branch Manager or appropriate Bank resource.
Process routine new-account, account-maintenance, card, digital-banking, and customer-service requests within established authority and procedures.
Determine appropriate products, service options, documentation, and referrals based on customer needs and Bank procedures.
Apply funds-availability holds and other routine account controls within delegated authority and established procedures.
Escalate exceptions, unusual circumstances, higher-risk transactions, or matters outside assigned authority to the Branch Manager or appropriate Bank resource.