Universal Banker

S&T Bank•Philadelphia, PA

8d•$18 - $35•Onsite

About The Position

The Universal Banker delivers exceptional customer service across branch operations, including teller-line transactions, sales, and platform duties. The role supports individual and branch production goals by meeting assigned sales goals and sharing responsibilities according to branch business needs. The banker uses computer systems, product knowledge, sales skills, and knowledge of bank policies and procedures to handle customer transactions accurately, protect customers and the bank from fraud, identify customer needs, recommend appropriate products, and support customer satisfaction and loyalty. The position also supports new and existing accounts, loan applications, branch sales campaigns, and outreach to customers. It requires successful completion of the retail training program, including CSR and RSA training, and CARE certification within six months of hire. NMLS registration and maintenance are required under the S.A.F.E. Act before performing duties as a Mortgage Loan Originator.

Requirements

High school diploma or equivalent.
Two to five years of general and specialized experience.
Successful completion of the retail training program, including CSR and RSA training programs.
CARE certification within six months of hire.
NMLS registration and a unique identifier as required under the S.A.F.E. Act before performing Mortgage Loan Originator duties; registration must be maintained annually.
Ability to work flexibly around branch hours.
Strong interpersonal skills and ability to work independently and as a team player.

Responsibilities

Operate a customer service window efficiently and accurately using computer systems, product knowledge, sales skills, and bank policies and procedures.
Identify customers, verify transaction authenticity, complete fraud-prevention steps, verify balances, place holds, and document identification as appropriate.
Accept deposits, verify endorsements, issue receipts, cash checks or coupons, process savings deposits and withdrawals, and accept loan and other payments.
Provide bank money orders and other customer services; refer transactions to branch management for authorization when needed.
Balance window cash daily and perform ATM settlement and vault balancing where applicable.
Profile customers, identify banking needs, recommend appropriate loan and deposit products, and use sales tools to support customer conversations.
Complete the S&T sales process, document customer notes in the appropriate system, close business, and make follow-up calls to assess satisfaction.
Build professional customer relationships and identify add-on sales opportunities based on customer needs.
Contribute to branch goals and sales and service standards, and demonstrate sales and service behaviors aligned with the bank's purpose, values, and core drivers.
Make follow-up calls to new account customers to assess satisfaction and identify additional leads.
Make outbound calls and participate in branch sales call campaigns as needed, following the branch playbook and sales and service guide.
Enter data and prepare documentation for new accounts and changes to existing accounts.
Maintain existing accounts, answer questions, resolve account problems, and handle check orders when needed.
Prepare loan applications using LOS software and coordinate loan document preparation.
Maintain working relationships with employees in other departments and contribute independently and as a team member.
Complete and maintain NMLS registration in accordance with the S.A.F.E. Act when applicable to Mortgage Loan Originator duties.
Perform additional duties as required, including balancing ATMs and processing deposits.