Universal Banker

Vallant Bank•Statesboro, GA

10d•Onsite

About The Position

The Universal Banker is responsible for demonstrating exceptional customer interaction while efficiently and accurately completing customer transactions in both the Teller and Personal Banker job responsibilities. This role requires demonstrating an accurate knowledge of the bank’s products and services, ensuring superior quality service in completing all customer transactions, and matching the financial needs that achieve customer goals with product and service solutions. The Universal Banker will grow the deposits of the bank by creating an exceptional customer experience while providing and filling customer needs as they occur in the branch environment. They will build long-term customer relationships with a focused group of customers by being knowledgeable of the customer base and proactively uncovering individual customer financial goals. A positive service mentality and the capacity to successfully satisfy the customer while considering the resources and needs of the organization are essential. The employee will support the bank's strategic goals, vision, mission, core values, service standards, and service philosophy in actions, words, and deeds.

Requirements

High school graduate with equivalent work and skill experience.
One year of banking, customer service and/or sales experience is preferred.
Must have a comprehensive knowledge of the bank's products and services.
Must have a willingness to serve.
Must be able to function efficiently in a network environment and have a working knowledge of Microsoft Office and SharePoint.
Must be able to function efficiently on a general business level of math, possess general accounting knowledge (i.e. debits, credits, and an understanding of the bank's account reconciliations).
Project a professional image by adhering to guidelines in the employee handbook.
Must have a general understanding of the Federal Reserve Banking System.
Must be able to collect, research, and analyze information skillfully.
Must be a self-starter, a creative thinker, flexible, eager, nurturing, open to change and exhibit good judgment.
Must be a leader by example, attentive to detail, work well with others and be responsive to supervisory guidance.
Satisfactory results from a background check and drug screening must be received.

Responsibilities

Demonstrate exceptional customer interaction while efficiently and accurately completing customer transactions in both the Teller and Personal Banker job responsibilities.
Demonstrate an accurate knowledge of the bank’s products and services.
Ensure superior quality service in completing all customer transactions.
Match the financial needs that achieve those customer goals with product and service solutions.
Grow the deposits of the bank by creating exceptional customer experience while providing and filling customer needs as they occur in the branch environment.
Build long-term customer relationships with a focused group of customers by being knowledgeable of the customer base, and proactively uncovering individual customer financial goals.
Maintain a positive service mentality.
Have the capacity to successfully satisfy the customer while considering the resources and needs of the organization.
Support the bank's strategic goals, vision, mission, core values, service standards and service philosophy in actions, words and deeds.
Make eye contact with the customer as soon as the customer enters the bank. Greet the person verbally—if the customer’s name is known, use it.
Smile and have a pleasant welcoming disposition.
Communicate appreciation for the customer banking with the bank.
Thank the customer once the transaction is completed, using the name of the customer.
Meet customer needs by using knowledge of banks products and services, developing a knowledge of regular bank customers, asking questions, listening effectively, understanding, analyzing and applying, and connecting the customer to other bank resources (e.g., Investments, Mortgage).
Balance and maintain assigned cash-drawer and limits following bank guidelines.
Record and process night depository contents and deposits by mail.
Prepare change orders for commercial customers.
Research and resolve customer transaction issues.
Conduct transactions and maintain accurate records of all transactions.
Complete transactions in a speedy and accurate manner.
Cash checks within assigned limits.
Assist in the collection of cash items.
Open accounts for new and current customers, assist them in determining the account(s) and service(s) which will best meet their personal or business banking needs and make recommendations based on understanding of customer needs and knowledge of the bank product and services.
Conduct effective personal and business checking/savings sales presentations that will result in an appropriate account recommendation and asking for the customer's business.
Make appropriate professional referrals to other areas of the bank during account opening.
Distribute and enthusiastically explain Tell-A-Friend coupons with each customer interaction, including five coupons with each new account opening.
Cross sell additional bank services to new and existing customers; refer customers to appropriate departments.
Meet or exceed monthly referral/cross-sell goals.
Accurately order checks for customers.
Transfer money for customers’ accounts via phone request.
Proactively offer online banking and PHON-X-press.
Maintain accurate safe deposit box records.
Admit customers to the Safe Deposit Vault in accordance with all laws, regulations, policies and procedures.
Evaluate and make decisions concerning the initiation of Fresh Foundation accounts.
Maintain files for follow-up of new and closed accounts.
Develop a personal and professional relationship with each prospect and current customer to effectively understand their banking needs.
Assist with maintaining a portfolio of customers, contacting your top 25 customers at least twice a year.
Proactively seek new business for the bank every day.
Proactively conduct relationship building calls to customers while being alert to signals for sales opportunities.
Utilize the MCIF-Connections to build and expand relationships and track referral opportunities.
Keep every CIF file current, updating and expanding at every opportunity.
Serve as the office resource person for issues concerning bank products and services.
Lead product knowledge training sessions at weekly branch sales meetings.
Take full ownership for the well-being and positive community image of the bank.
Actively participate in community activities and civic functions to include representing the bank to the community in both an official and unofficial capacity.
Ensure that brochures and HPC marketing materials are current and displayed professionally.
Assist with monthly HPC re-certification.
Perform other tasks and duties as assigned by management.
Attend all training sessions and follow all compliance, security and internal guidelines to ensure accuracy and quality of each transaction.
Verify identifications, stop payments, holds, signatures, new account information and other signs of genuineness when processing transactions.
Complete Currency Transaction Reports accurately and on time.
Adhere to the Bank Secrecy Act policies and procedures in order to assist in detecting and preventing money laundering and other illegal activities from being conducted through our bank.
Focus on the importance of compliance and adhering to bank policies and procedures.