Universal Banker

City National Bank of Florida•Miami, FL

12d

About The Position

The Universal Banker role consists of assisting clients by providing exceptional customer service, accurately and efficiently performing all paying, receiving, and collection functions. This role involves processing transactions, adhering to strict security measures, and maintaining strong balancing procedures. The Universal Banker will be cross-trained in all servicing functions of the platform to support bankers and continue to assist clients as needed, such as opening accounts, wire transfer input, change of address, and client research. This position ensures accuracy, excellence in client service, and maintains appropriate measures relative to security and bank regulatory procedures. The Universal Banker takes an immediate active role in meeting the needs and expectations of clients by servicing, promoting, and identifying cross-selling opportunities. They engage in conversation with clients by actively listening and asking questions, and introduce clients to other CNB team members, as appropriate, to proactively help meet their financial needs.

Requirements

2-4 years prior banking experience which includes cash handling, sales, and client service.
Prior knowledge of the procedures and policies related to the function of a bank teller.
Working knowledge of the on-line computer system or teller terminal is necessary.
Proven abilities in needs-based sales and high-level client servicing skills.
Ability to prepare or interpret detailed written materials and/or perform detailed mathematical functions accurately.
Able to accurately handle the most complex transactions efficiently.
Be security conscious, accurate, and attentive to detail.
Should have an understanding of compliance with Federal & State laws governing teller areas.
A demonstrated ability to meet and exceed sales goals and maintain a high level of client service is also required.
May need to work extended hours that may include weekends.

Nice To Haves

Strong sales background is a plus.

Responsibilities

Proactively and pleasantly greet clients to establish a connection and develop rapport, providing outstanding, personalized client experience.
Assist clients in the lobby to ensure they are being attended to at all times; when not servicing clients in the teller line, assist clients in the lobby and refer them to appropriate bank personnel to meet their financial needs.
Execute a variety of transactions in accordance with applicable policies and procedures, with a high level of accuracy and efficiency while maximizing the sales potential of every interaction.
Consistently meet and/or exceed assigned individual and team referral/sales goals.
Identify client profiles and their respective needs, ask need-revealing questions, identify client CUES, make appropriate benefit statements, handle objections, close the referral to the appropriate business partner, ensure client retention and client service satisfaction.
Develop business name sales leads by “scrubbing” leads through Hoovers or any other list to provide leads/referrals to the sales staff. A scrubbed lead involves gathering additional information about the owners and company to provide to sales staff. Meet Bank established minimum monthly lead goals.
Maintain the highest level of confidentiality with all information obtained.
Promote the Bank’s products and services.
Adhere to cash handling, operational, security, and BSA/AML policies and procedures to avoid liability.
Be responsible as part of a two-member team to open and/or close the branch.
Provide timely and efficient client service by continuously helping the rest of the banking center team.
Develop and maintain a prospect list of potential Non on us leads from teller line transactions.
Handle checks, debit/credit tickets, and all other necessary transactions such as loan payments within established limits.
Ensure accuracy and adequacy of bank currency and coin supply and verify cash shipments, including ordering and shipping currency & coins.
Perform balancing of ATMs, TCR, as applicable, and night depository.
Perform all areas of client service including opening accounts, wire transfers, etc.
Ensure that all teller work is correctly & timely scanned through branch remote capture on a daily basis.
Be responsible for sending files and documents for storage following bank guidelines.
Answer and respond to internal/external client phone calls.
Respond to emails on behalf of sales staff to BPB Support when WTA’s are missing or incomplete schedule A’s.
Assist the rest of Business Center staff with other duties, including EFT Department tasks (debit card activation, travel dates, limit increases, disputes, ordering new cards).
Follow up with clients on missing/pending signature cards.
Provide access to safe deposit boxes after verifying the client’s identity and right to access, handle documents for surrender boxes.
Follow up on past due safe deposit box rent, when applicable.
Witness the drilling of safe deposit boxes due to lost keys or abandoned property, when applicable.
Prepare abandoned property for escheatment.
Complete domestic/international wires according to Board approved authorization limits and in accordance with banking policy and procedures.
Perform routine client service functions such as change of address, provide statements, check book orders, ATM/Debit card orders, PIN # changes, etc.
Increase Bank relationships through cross-selling, marketing materials, promotions, telemarketing, developing client relations, and providing prompt client service.
Educate new and existing clients on all digital products.