Universal Banker

S&T Bank•White Oak, OH

9d•Onsite

About The Position

The Universal Banker delivers customer service for branch operations, combining teller-line duties with sales and platform responsibilities. The role supports individual and branch production goals, meets assigned sales goals, and shares duties according to the branch’s business needs. The position uses computer systems, sales skills, product knowledge, and knowledge of policies and procedures to handle customer transactions accurately, protect customers and the bank from fraud, and provide a positive customer experience. The Universal Banker identifies customers’ needs and recommends appropriate loan and deposit products, follows the bank’s sales process, documents customer interactions, closes business, and conducts follow-up and outbound calls. The role also supports new and existing accounts, prepares loan applications and coordinates loan documents, contributes to branch sales campaigns and goals, and maintains effective working relationships with coworkers. CARE certification is required within six months of hire. NMLS registration and annual maintenance are required under the S.A.F.E. Act for applicable mortgage loan originator duties.

Requirements

High school diploma or equivalent.
Two to five years of general and specialized experience.
Successful completion of the retail training program, including CSR and RSA training programs.
CARE certification within six months of hire.
NMLS registration and a unique identifier under the S.A.F.E. Act are required upon hire and/or before performing duties of a Mortgage Loan Originator, as defined by the Act; registration must be maintained annually.
Ability to work flexibly around branch hours, including the listed Saturday hours.
Ability to perform the described physical tasks, including keypad, electronic and office equipment operation; standing, sitting, lifting, manual dexterity for typing and data entry, and close-vision computer work.

Responsibilities

Operate the customer service window accurately and efficiently, using computer systems and bank policies to identify customers, verify transactions, and take steps to protect customers and the bank from fraud.
Accept deposits; verify endorsements; issue receipts; cash checks or coupons; process savings deposits and withdrawals; provide money orders and other services; and accept loan and other payments.
Refer transactions to branch management for authorization when needed.
Balance window cash daily and perform ATM settlement and vault balancing where applicable.
Profile customers, identify their banking needs, and recommend appropriate loan and deposit products using available sales tools.
Conduct customer-focused sales conversations, document notes in the appropriate system, close business, and perform follow-up calls to ensure satisfaction and identify additional leads.
Build professional customer relationships and identify add-on sales opportunities based on customers’ needs.
Contribute to branch goals and sales and service standards, and participate in branch sales-call campaigns as needed.
Make outbound calls in accordance with the branch playbook and sales and service guide to grow existing customer relationships.
Enter data and prepare documentation for new accounts and changes to existing accounts; maintain accounts, answer questions, resolve account problems, and handle check orders.
Prepare loan applications using LOS software and coordinate loan document preparation.
Maintain good working relationships with employees in other departments and contribute to the success of the branch and organization as an independent worker and team player.
Complete CARE certification within six months of hire.
Complete NMLS requirements for S.A.F.E. Act certification, obtain required registration and unique identifier before performing applicable mortgage loan originator duties, and maintain registration annually.
Assume additional duties as required, such as balancing ATMs and processing deposits.