Universal Banker

Farmers Logo 2022•Poland, OH

About The Position

The Universal Banker is responsible for opening, maintaining, and closing bank accounts; processing teller transactions; generating referrals and sales opportunities; and providing excellent customer service. The role also assists and coaches tellers on sales and referral techniques, supports daily branch, vault, and ATM operations, and helps ensure compliance with bank policies, security procedures, and applicable regulations. The position handles cash and negotiable instruments, supports account servicing and safe deposit box rentals, and helps maintain an organized, professional teller area. It exercises authority to open and close the branch and to sign official checks up to $50,000. The Universal Banker works with the branch manager on sales and service operations, communicates policy and product updates to staff, and uses sound judgment to resolve customer and employee issues.

Requirements

High school diploma or General Education Development (GED) credential.
At least one year of retail banking experience, including cash handling.
Ability to accept and give instructions, reason, solve problems, and oversee and assist others.
Ability to prepare a cash order or manifest.

Nice To Haves

Previous supervisory experience.
Previous sales experience.

Responsibilities

Run a teller cash drawer to meet the branch’s daily staffing needs.
Sign official checks up to $50,000 and complete teller overrides.
Accept and process savings, checking, and holiday savings account transactions, loan payments, safe deposit box rental payments, tax deposits, and withdrawals.
Accept checks for cashing according to bank procedures, sell money orders and official checks, and collect applicable fees.
Ensure tellers balance daily, help locate discrepancies, and ensure differences are initialed and reported to the manager when required.
Promote a work environment focused on excellent customer service and teamwork.
Maintain an organized and professional teller area and staff appearance in accordance with bank policies, including dress code and cell phone policies.
Handle vault cash under dual control, including vault transactions, cash orders and shipments, audits, and currency strapping and dating.
Secure negotiable instruments, safe deposit box records, and confidential work-area records at the end of each day.
Assist customers with safe deposit box rentals in accordance with the bank manual.
Ensure staff understand and follow dual-control procedures.
Open and close the branch using proper security procedures.
Maintain knowledge of daily branch, vault, and ATM operations.
Meet individual daily sales referral goals and assist or coach tellers in meeting their goals.
Coordinate with the branch manager on sales and service operations as needed.
Communicate policy and procedure changes and product knowledge to staff.
Resolve customer and employee issues using sound judgment.
Identify opportunities to cross-sell bank products and services.
Make outbound sales calls to current and prospective customers.
Open new accounts, complete account maintenance, cross-sell products, and discuss available services.
Prepare new-account documents accurately and promptly.
Serve as a notary if properly credentialed.
Complete weekly, monthly, and quarterly operational duties in accordance with bank policy.
Complete mandatory and elective training, including Bank Secrecy Act and Anti-Money Laundering procedures, and comply with applicable rules and regulations.
Maintain regular, predictable attendance and complete other assigned duties.