Universal Banker

33a9322b-4eab-4139-aa8a-7381518e4db4•Greenville, MS

40d

About The Position

The Universal Banker provides retail banking services and products to bank customers, handles customer requests, and verifies that retail banking transactions are complete. The role also develops business opportunities with current and potential customers by identifying customer needs and offering appropriate products and services. The position is based at Greenville Hwy 1 and reports to the Branch Manager. It supervises no positions and is classified as regular full-time, hourly, and non-exempt. The role combines relationship and business development, customer service, and branch operations. Duties include processing and maintaining deposit accounts, promoting bank products and services, supporting customers with account and transaction questions, performing teller functions, maintaining cash and transaction records, and complying with applicable banking regulations. The employee may also work overtime as needed, assist other departments, and perform other assigned duties.

Requirements

High school diploma or equivalent.
One to two years of experience in banking, insurance, or a related field.
Proficient alphanumeric data-entry skills.
Ability to demonstrate accuracy, attention to detail, active listening, critical thinking, confidentiality, ethical conduct, integrity, accountability, respect, and commitment to community development.

Nice To Haves

Post-secondary certificate or degree in accounting, finance, or business; experience may be considered.
Previous office experience.
Notary certification.

Responsibilities

Process new account transactions, including preparing account paperwork and applications.
Identify the needs of current and potential customers and offer appropriate products and services.
Promote new and enhanced products and services, and cross-sell to current and potential customers.
Open, maintain, and close all types of deposit accounts.
Participate in community events to increase the bank’s visibility and develop business opportunities.
Respond to customer inquiries and requests about accounts, products, services, and transactions.
Assist customers with online and mobile banking, remote deposit capture, other deposit systems, safe deposit box access, and ATM and debit card requests.
Perform teller functions as needed, including processing deposits, withdrawals, loan payments, and bonds.
Answer basic questions about interest rates, service charges, and account histories while complying with disclosure, regulatory, and consumer privacy requirements.
Answer incoming calls, assist callers, and route them appropriately; receive visitors and direct them appropriately.
Record transactions promptly and accurately in compliance with bank procedures.
Balance and replenish ATM cash and order cash weekly.
Balance the teller drawer daily and investigate and resolve discrepancies.
Sell prepaid travel and gift cards and maintain related logs and inventory.
Buy and sell currency from the vault as needed, observe teller drawer cash limits, maintain currency logs and target cash levels, and balance the vault daily.
Sort and distribute work from other offices and 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.