Universal Banker- Coney Island

Apple Bank•Coney Island, NY

1d•Onsite

About The Position

The Universal Banker (UB) is 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 branch role combines Customer Service Representative and Teller responsibilities and supports branch leadership in delivering high-quality customer service. The UB supports branch sales and service by acquiring customers, offering suitable Bank products and services, opening accounts, resolving issues, educating customers, and performing account maintenance and other branch-platform functions. The role builds long-term customer relationships based on trust and appropriate solutions, and may refer customers to a licensed representative of ABS Associates of NY, Inc. when appropriate.

Requirements

High school diploma or GED.
At least 1–2 years of combined Teller and Customer Service Representative experience in retail banking.
Prior 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 verbal and written interpersonal and communication skills, including 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, as 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 with current and prospective customers about the features of Bank products, accounts, and services.
Identify opportunities to acquire new or additional banking relationships, understand customer needs, offer suitable products and services, and make appropriate referrals to licensed representatives of ABS Associates of NY, Inc.
Establish, retain, and deepen relationships with existing and potential customers to support team sales and referral goals while maintaining service quality.
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 appropriately 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, code-of-conduct, and operational-control requirements to protect customers and Bank assets.
Follow new-account procedures, including Customer Identification Program (CIP) and Bank Secrecy Act (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.