Universal Banker (Personal Banker) - Kahului Branch

Central Pacific Bank•Kahului, HI

1d•$21 - $24

About The Position

Universal Bankers perform sales, servicing, and operational functions in a branch and help manage an assigned portfolio of High Value Clients (HVC) to build and retain customer relationships. They identify customers’ banking needs, cross-sell bank products and services, refer customers to specialists as appropriate, and meet assigned operational, cross-sale, and referral goals. The role supports branch management with coaching and development activities. Universal Bankers open consumer and business deposit products, accept and close secured and unsecured consumer loan and personal line of credit applications, and are certified to accept and close home equity lines of credit and loans. The Universal Banker I handles complex assignments such as problem resolution, NSF decisions, branch balancing, audits, and safety and soundness matters. The role may function as a team leader and requires considerable judgment and initiative. All duties and customer interactions are expected to align with the company’s Core Values of Voyaging Spirit and Positively Ohana, Customer Experience Competencies of Customer Interaction, Empowerment, and Ownership, and Basic Skills of Listening, Oral Communication, Written Communication, Action Orientation, Thoroughness, and Problem Solving. The position has multiple levels available based on experience. UB I requires a high school diploma or equivalent, one or more years of demonstrated sales and customer service success, and one or more years of branch operations experience or successful completion of teller and new account certification within six months of hire. UB II requires a bachelor’s degree from an accredited university, although relevant work experience may substitute, two or more years of branch or bank operations experience and retail financial product sales, and one or more years explaining credit products and accepting or closing consumer and business loan applications. NMLS registration is required before performing any MLO duties, if applicable; a Notary Public commission is preferred.

Requirements

UB I: High school diploma or equivalent.
UB I: At least 1 year of demonstrated success in sales and customer service.
UB I: At least 1 year of branch operations experience, or successful completion of teller and new account certification within 6 months of hire.
UB II: Bachelor’s degree from an accredited university; relevant work experience may substitute for the degree requirement.
UB II: At least 2 years of branch or bank operations experience and sales of retail financial products.
UB II: At least 1 year of experience explaining credit products and accepting or closing consumer and business loan applications.
NMLS registration is required before performing any duties of a Mortgage Loan Originator, if applicable.
Ability to perform light physical work and move or lift items such as boxes, files, and papers up to 20 pounds.
Ability to operate standard office equipment, including a phone, copier, and personal computer, as well as other work-related mechanical or electronic devices and applications.
Ability to communicate clearly verbally and in writing, hear sufficiently for daily discussions and interactions, and read and understand bank-related documents.
Ability to work in a conventional office setting, sit at a desk or workstation for long periods, and adapt to different work environments as needed.

Nice To Haves

Notary Public commission preferred.

Responsibilities

Open consumer and business deposit products and related services; accept secured and unsecured consumer loan and personal line of credit applications.
Profile customers when opening or servicing deposit accounts to determine their needs.
Participate in customer retention programs to build and retain relationships and identify opportunities to acquire new relationships.
Manage a portfolio of High Value Clients to build and retain customer relationships.
Participate in branch or bank-wide campaigns.
Cross-sell products and refer customers to appropriate business partners.
Achieve assigned individual and branch goals, which may include deposit, loan, and portfolio growth goals, revenue targets, and risk management targets.
Manage risk and promptly act upon discovery of loss or irregularities involving transaction documents, accounts, or company assets.
Process transactions including deposits, withdrawals, payments, cash advances, U.S. Savings Bonds applications and redemptions, check cashing, stops, cautions and holds, and foreign currency exchange; balance teller cash daily.
Purchase and sell cash to and from the vault and assist with replenishing cash dispensers.
Open, close, and balance the branch.
Meet service-level expectations and provide a positive customer experience.
Train and guide new branch staff.
For Universal Banker I, handle complex assignments such as problem resolution, NSF decisions, branch balancing, audits, and safety and soundness matters; function as a team leader when required.
Support branch management’s ongoing coaching and development activities.