Universal Banker- East 64th Street

Apple Bank•New York, NY

21h•Onsite

About The Position

The Universal Banker (UB) serves as a full-service, single point of contact for Apple Bank customers, providing prompt, courteous, and efficient service through monetary and account-related transactions. This hybrid role combines the responsibilities of a Customer Service Representative and a Teller, supporting branch leadership in delivering quality customer service. The UB also supports branch sales and service by acquiring clients, recommending suitable products and services, performing platform-related functions, and processing account maintenance transactions. The successful candidate opens new accounts, resolves customer issues, and educates customers about Bank products and services. When appropriate, the UB may refer customers to a licensed representative of ABS Associates of NY, Inc. The role focuses on building long-term relationships based on trust and providing suitable solutions that meet customer needs.

Requirements

High school diploma or GED.
At least 1–2 years of retail banking experience combining Teller and Customer Service Representative experience.
Experience fostering and developing strong customer relationships.
Ability to develop and maintain detailed knowledge of banking products and services.
Willingness to be cross-trained in other branch functions.
Excellent problem-solving skills and ability to provide solutions to customer issues.
Confident, professional, and positive demeanor with customers.
Excellent interpersonal and verbal and written communication skills, including excellent phone skills.
Strong organizational skills and attention to detail.
Basic knowledge of Microsoft Office, including Word, Excel, and PowerPoint.
Sound judgment and discretion when using confidential information.
Ability to work weekends and extended hours, fill in at neighboring branches, and travel occasionally for mandatory training when required.

Nice To Haves

General understanding of banking operations, including risk, compliance, fraud, and loss.

Responsibilities

Provide friendly, professional customer service and resolve service-related issues promptly and efficiently.
Communicate accurately and ethically the features and facts of the Bank’s products, accounts, and services to current and prospective customers.
Identify opportunities to acquire new or additional banking relationships by understanding customer needs and offering suitable products and services.
Make appropriate referrals to licensed representatives of ABS Associates of NY, Inc.
Establish, retain, and deepen customer relationships to achieve team sales and referral goals while maintaining quality service.
Process Teller transactions according to established policies and procedures, balance daily transactions within a reasonable timeframe, and safeguard assigned cash and negotiable instruments.
Assist with opening and closing the vault, safe, and ATM, and keep the customer area orderly and adequately supplied.
Explain applicable disclosures, rules, regulations, and FDIC protection when opening new accounts.
Maintain accurate new-account records and complete timely follow-up as needed.
Follow regulatory, compliance, security, audit, conduct, and operational-control policies and procedures to protect customers and Bank assets.
Follow new-account procedures, including CIP and BSA requirements, to protect the Bank against loss.
Assist in training and mentoring newly hired Tellers, Customer Service Representatives, and Universal Bankers.
Maintain technical and professional knowledge by attending educational workshops.
Perform additional duties as requested.