Universal Banker

City National Bank of Florida•Miami Beach, FL

2d•Onsite

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. The role 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.

Requirements

Minimum 1 year of teller experience or equivalent cash-handling experience in a financial or retail environment.
Experience using customer-facing transaction systems in retail or service environments, with the ability to quickly learn banking policies, teller functions, and related systems.
Demonstrated ability to process transactions accurately and efficiently, with the capacity to learn more complex procedures as needed.
Proven ability to deliver professional, client-focused service and identify opportunities to refer or promote products and services that meet client needs.
Ability to recognize cross-sell opportunities and make appropriate product or service referrals.
Ability to interpret or prepare detailed written materials and perform accurate mathematical calculations.
Strong attention to detail, accuracy, and a high degree of security awareness.
Understanding of applicable federal and state regulations governing teller operations and banking compliance.
Professional demeanor and appearance.
Ability to meet and exceed sales goals while maintaining exceptional client service standards.
Flexibility to work extended hours, including weekends, as business needs require.
Ability to lift and transport coin and currency bags weighing up to 25–35 pounds, using proper lifting techniques and equipment where appropriate.

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 owners and companies to provide to sales staff. Must meet Bank established minimum monthly lead goal.
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.
Learn and understand servicing functions of the platform to support bankers, including performing complex transactions, monitoring adherence to security policies and procedures, maintaining proper balancing practices, and ensuring timely completion and processing of required documentation.
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.
Cross-train to perform balancing of ATMs, TCR, as applicable, and night depository.
Cross-train in 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.
May assist the rest of Business Center staff with other duties, including EFT Department (debit card activation, travel dates, limit increases, disputes, ordering new cards), following up with clients on missing/pending signature cards, providing access to safe deposit boxes, handling documents for surrender boxes, following up on past due safe deposit box rent, witnessing the drilling of safe deposit boxes, and preparing abandoned property for escheatment.
Ensure accuracy, excellence in client service, and maintain appropriate measures relative to security and bank regulatory procedure.
May perform more complex service and branch functions such as inputting outgoing domestic/international wires according to Board approved authorization limits and in accordance with banking policy and procedures.
May 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.
Provide guidance to new and existing clients on the use of digital banking products and services, including assisting with enrollment, navigation, and basic troubleshooting.
Be responsible for opening and closing the banking center in accordance with assigned schedules and established operational and security procedures.
Provide coverage and support at other banking center locations as needed to support operational requirements and maintain compliance with regulatory and security standards, including segregation of duties and dual control.
Maintain flexibility to work assigned schedules and locations based on business needs, including changes to work hours and weekend coverage, as required.