Universal Banker
About The Position
The Universal Banker provides retail banking services and products to bank customers and serves as a key point of contact for retail customers. The role handles customer transactions and requests, verifies that retail banking transactions are complete, and develops business opportunities with current and potential customers. The position is based in Cleveland, reports to the Branch Manager, supervises no positions, and is classified as regular full-time, hourly, and non-exempt. The role’s duties are divided among relationship and business development (40%), customer service (30%), branch operations (20%), and additional functions (10%).
Requirements
- High school diploma or equivalent.
- One to two years of experience in banking, insurance, or a related field.
- Proficient alphanumeric data-entry skills.
- Demonstrated accuracy, attention to detail, active listening, conceptual and critical thinking, accountability, confidentiality, ethical conduct, integrity, and respect.
Nice To Haves
- Post-secondary certificate or degree in accounting, finance, or business; relevant experience will be considered.
- Previous office experience.
- Notary certification.
Responsibilities
- Process new account transactions, including compiling and preparing new account paperwork and applications.
- Identify unmet needs of current and potential customers and offer appropriate products and services.
- Promote and explain new and enhanced products and services; cross-sell products and services.
- Open, maintain, and close all types of deposit accounts.
- Participate in community events to increase bank visibility and develop business opportunities.
- Respond to customer inquiries and requests about existing accounts, products, services, and transactions.
- Assist customers with online banking, mobile banking, remote deposit capture, other deposit systems, safe deposit box access, and ATM and debit card requests.
- Perform traditional teller functions as needed, accurately processing checking and savings deposits, withdrawals, loan payments, bonds, and other transactions.
- Answer basic inquiries about interest rates, service charges, and account histories while following disclosure requirements, regulations, and consumer privacy policies.
- Answer incoming calls and route callers appropriately; receive bank visitors and direct them appropriately.
- Record transactions promptly and accurately in compliance with bank procedures.
- Balance and replenish ATM cash and place weekly cash orders.
- Balance the teller drawer daily and investigate and resolve discrepancies.
- Sell prepaid travel and gift cards and maintain their logs and inventory.
- Buy and sell currency from the vault as needed while observing teller drawer cash limits.
- Maintain currency logs and target cash levels, and balance the vault daily.
- Sort and distribute work from other offices; process mail and night depository transactions.
- Operate computers, telephones, copiers, and other bank equipment.
- Ensure compliance with applicable federal banking regulations, including the Bank Secrecy Act, OFAC, Community Reinvestment Act, Americans with Disabilities Act, Right to Financial Privacy Act, Gramm-Leach-Bliley Act, and Federal Reserve regulations.
- Ensure customers understand deposit account rates and FDIC insurance.
- Work overtime as needed, assist other departments as needed, and perform other assigned duties.
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What This Job Offers
Job Type
Full-time
Career Level
Entry Level
Education Level
High school or GED
