Universal Banker (Personal Banker) - Pearlridge Branch

Central Pacific Bank•Aiea, HI

23h•$21 - $24

About The Position

Universal Bankers perform sales, servicing, and operational functions in a branch. They assist in managing an assigned portfolio of High Value Clients (HVC) to build and retain customer relationships, identify potential banking needs, cross-sell other bank products and services, and refer customers to specialists as appropriate. The role is responsible for assigned operational, cross-sale, and referral goals and supports branch management with ongoing coaching and development activities. Universal Bankers open consumer and business deposit and loan products, accept and close secured and unsecured consumer loan and personal lines of credit applications, and are certified to accept and close home equity lines of credit and loans. The position carries out duties and customer interactions in alignment with the Company’s Core Values of “Voyaging Spirit” and “Positively Ohana.” It calls for positive customer interactions, empowerment and ownership, active listening, effective oral and written communication, a solution-oriented approach, and thoroughness. The role includes profiling customers to identify needs, participating in customer retention programs and campaigns, managing an HVC portfolio, analyzing tax returns and financial statements, and achieving assigned individual and branch goals. Operational duties include managing risk, processing a variety of transactions, balancing teller cash daily, buying and selling cash to and from the vault, and assisting with replenishing cash dispensers. Multiple levels are available based on experience. UB I requires a high school diploma or equivalent and relevant sales, customer service, and branch operations experience. UB II requires a bachelor’s degree or qualifying relevant work experience, along with additional banking operations, retail financial product sales, and loan application experience. NMLS registration is required before performing applicable Mortgage Loan Originator duties. 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 Mortgage Loan Originator duties, if applicable.
Ability to move and lift items up to 20 pounds and perform other light physical work.
Ability to operate standard office equipment, including a phone, personal computer, and copier.
Ability to communicate clearly verbally and in writing with internal and external customers.
Sufficient hearing to participate in daily discussions and interactions.
Ability to read and understand bank-related documents.
Ability to work in a conventional office setting, including sitting at a desk or workstation for long periods, and adapt to different work environments as needed.

Nice To Haves

Notary Public commission preferred.

Responsibilities

Accept secured and unsecured consumer loan and personal lines of credit applications; open consumer and business deposit products and related services.
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.
Analyze tax returns and financial statements.
Participate in branch or bank-wide campaigns.
Cross-sell products and refer customers to appropriate business partners.
Meet assigned individual and branch goals, including deposit, loan, portfolio growth, revenue, and risk management targets.
Manage risk and take prompt action upon discovering 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, stop payments, 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.
Support branch management with ongoing coaching and development activities.
Conduct duties and customer interactions in alignment with the Company's Core Values and professional competencies.