Universal Banker

S&T Bank•Exton, PA

5d•$18 - $35•Onsite

About The Position

The Universal Banker delivers exceptional customer service in branch operations, combining teller-line responsibilities with sales and platform duties. The role supports individual and branch production goals, with the allocation of shared duties guided by branch business needs. The Universal Banker uses banking systems, product knowledge, sales skills, and knowledge of policies and procedures to complete customer transactions accurately, protect customers and the bank from fraud, and identify and meet customers’ financial needs. The position also supports account opening and maintenance, loan applications and documentation, customer follow-up, branch sales initiatives, and compliance with applicable training and registration requirements. The role contributes to branch sales and service standards and works independently and collaboratively with branch colleagues and other bank departments.

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 annual maintenance as required by the S.A.F.E. Act before performing Mortgage Loan Originator duties.
Ability to work flexibly around branch hours.
Ability to operate keypad, electronic, and office equipment; perform typing and data entry; and meet the stated standing, sitting, lifting, and vision demands.

Responsibilities

Process customer transactions accurately and efficiently, using banking systems and required identity, balance, endorsement, hold, and fraud-prevention procedures.
Accept deposits, savings deposits and withdrawals, loan and other payments, and checks or coupons for cashing; issue receipts and provide services such as bank money orders.
Balance window cash daily and assist with ATM settlement and vault balancing where applicable.
Profile customers, identify their banking needs, recommend appropriate loan and deposit products, and use sales tools to support customer conversations and sales goals.
Complete the bank’s sales process, document customer notes in the appropriate system, close business, and make follow-up calls to support customer satisfaction and identify additional leads.
Build professional customer relationships and identify add-on sales opportunities based on customer needs.
Contribute to branch goals and sales and service standards as outlined in the branch playbook and by branch management.
Perform outbound calls using branch playbook guidance, sales and service guide scripts, and potential-customer lists; participate in branch sales call campaigns as needed.
Enter data and prepare documentation for new accounts and account changes; maintain existing accounts, answer questions, resolve account problems, and handle check orders.
Prepare loan applications using LOS software and coordinate loan document preparation.
Maintain effective working relationships with employees in other departments and contribute as an independent worker and team player.
Complete CARE certification within six months of hire.
Complete and maintain NMLS registration as required under the S.A.F.E. Act, including obtaining registration before performing duties of a Mortgage Loan Originator.
Assume additional duties as required, including balancing ATMs and processing deposits.