Universal Banker

Renasant Bank•Southaven, MS

15d•Onsite

About The Position

The Universal Banker works in a dual sales, service, and operations role in a bank branch. The position delivers a complete range of retail banking services by identifying customer needs, providing appropriate financial solutions and guidance, completing transactions and account openings, and executing the bank’s customer engagement model. The banker supports customers throughout their interactions, promotes digital banking options and other delivery channels, and aims to provide full-scale assistance without transferring customers to another retail team member. The role also supports sales and service goals, customer relationship development, accurate documentation, teller and branch operations, risk prevention, and community outreach. The Universal Banker works with internal business partners to maintain knowledge of bank products, policies, procedures, and systems. For Senior Universal Bankers, additional experience and proficiency with complex transactions and banking solutions are required.

Requirements

High school diploma or equivalent.
At least 1 year of related customer experience and sales experience.
Strong dedication and motivation to achieve sales, service, and operational results and exceed expectations.
Ability to follow bank customer sales and service processes and standards.
Excellent written and verbal communication skills.
Attention to detail and accuracy in handling transactions.
Comfort using a variety of technology software products to process transactions.
Proven time-management and organizational skills, including the ability to manage multiple priorities and adapt to changing business needs and pace.
Ability to read, understand, and apply regulations, policies, and procedures related to Universal Banker responsibilities and branch operations.
Ability to travel for training, development opportunities, and between branches as needed.
For Senior Universal Bankers: at least 2 years of successful Universal Banker experience.
For Senior Universal Bankers: ability to handle complex transactions and issues with limited assistance or supervision.
For Senior Universal Bankers: operational strength with limited to no account exceptions, outages, or operational losses.
For Senior Universal Bankers: proficiency in bank products and solutions, including IRAs and complex business accounts.

Nice To Haves

College education preferred.
At least 1 year of teller and/or cash handling experience preferred.

Responsibilities

Deliver an exceptional branch customer experience by understanding customer needs, deepening relationships, educating customers about products and services, providing financial guidance, opening accounts, performing teller transactions, and addressing emerging needs without transferring the customer to another retail area.
Meet established sales and service goals by developing new and existing customer relationships, providing banking solutions, and improving customer loyalty.
Collaborate with lines of business partners to fulfill customer financial needs through lending, wealth management, treasury solutions, and other financial services.
Promote digital delivery and provide customers with digital and on-demand solutions that meet their preferences.
Promote awareness of and seamless transitions among online, mobile, in-branch, virtual branch, and customer experience center channels.
Respond promptly and intentionally to customer feedback, investigate the causes of concerns or complaints, and recommend improvements to customer experience processes, policies, or products.
Obtain and complete proper documentation for solutions to minimize documentation exceptions.
Track customer pipelines and document calls and other interactions with customers and referral sources using the customer engagement platform.
Perform daily teller duties, including processing deposits, withdrawals, transfers, loan payments, official checks, loan payoffs and draws, savings bond redemptions, currency orders, and teller drawer audits.
Perform daily branch operations, including balancing the ATM and vault and completing branch capture procedures.
Follow procedures for CTR, SAR, Reg CC holds, robbery response, and fraud mitigation to protect the bank from unnecessary risk.
Recognize and respond to fraud attempts and events involving customers or the bank.
Protect the confidentiality and security of customer information in accordance with regulatory and company requirements.
Review procedures and processes and complete self-audits using provided tools and resources to reduce risk to customers and the bank.
Represent the bank in community organizations and activities to expand outreach and develop future business opportunities.
Work with line of business partners, Retail Experience Administration, and Learning and Development to maintain knowledge of bank products, services, policies, processes, procedures, and systems.
Perform other related duties as assigned.