Universal Banker

Texas National Bank• Rio Grande City, TX, US, TX

12d

About The Position

The Universal Banker conducts teller and cash vault transactions accurately and promptly, sells and services bank products, and opens and closes personal and commercial accounts. The role also maintains customer accounts and provides lobby services such as answering phones, assisting with safe deposit access, answering customer questions, and resolving account issues. Working with operations and lending staff, the Universal Banker contributes to deposit and relationship growth while providing operational support and exceptional customer service and maintaining controls and safeguards. The role involves frequent interaction with customers and colleagues and requires effective communication with prospective and current customers. The position requires compliance with federal and state regulations and bank policies, attendance at mandatory training, and regular, punctual attendance. The employee may be asked to cross-train or perform related duties as assigned. Work is scheduled flexibly Monday through Saturday and may take place at any of the bank’s locations as needed. The position may involve standing for most of the workday and lifting, carrying, or moving heavy boxes or bags of currency and coin.

Requirements

High school diploma or GED.
At least two years of banking experience, or an equivalent combination of education and experience.
Keyboarding skills and ability to use a personal computer and 10-key calculator.
Experience with Microsoft Office products, including Outlook, and similar software.
Strong analysis, observation, problem-solving, and decision-making skills.
Effective communication, prioritization, and organizational skills; ability to manage priorities and workflow.
Ability to work independently and as a team member, communicate with people at all levels and from varied backgrounds, and speak, read, write, and understand the primary workplace language(s).
Ability to remain composed under pressure and in stressful situations and maintain concentration amid frequent interruptions in a fast-paced environment.
High degree of accuracy and ability to express written concepts clearly and concisely using banking forms and paperwork.
Ability to work flexible hours as scheduled Monday through Saturday and at any bank location as needed.
Ability to stand for most of the workday and potentially lift, carry, or move heavy boxes or bags of currency and coin.

Responsibilities

Provide customers and prospective customers with information about bank accounts and related services, including ATMs, direct deposit, and overdraft protection.
Process teller transactions accurately and promptly, including deposits, withdrawals, payments, transfers, check cashing, and negotiable purchases.
Open and close accounts in accordance with operating controls and applicable legal, corporate, and regulatory procedures; maintain knowledge of new-account procedures.
Respond to customers seeking to close accounts by identifying their reasons and offering possible alternatives.
Identify process improvements that could enhance the customer experience and communicate ideas to branch management.
Complete assigned reports and job duties accurately and promptly.
Resolve customer complaints and account errors in a timely manner while balancing service and risk management.
Participate in branch staff training to help prevent recurring errors.
Use the new accounts system database to manage and maintain customer account information.
Assist safe deposit box customers with entry and exit and open or close boxes in accordance with policies and procedures, if applicable.
Respond to telephone inquiries and assist customers with banking needs.
Handle routine account requests, research and resolve service inquiries and issues, and respond professionally and promptly to customer inquiries.
Build customer relationships by cross-selling and marketing new and existing products and services.
Help identify and implement ways to improve the overall customer experience and contribute to teamwork within the department.
Assist customers with check orders, debit cards, and online services.
Comply with federal and state regulations and established bank policies and procedures.
Support the bank’s vision, mission, core values, organizational structure, and policies and procedures.
Attend mandatory training and complete applicable regulatory compliance courses.
Maintain punctuality and regular attendance; work flexible scheduled hours Monday through Saturday and at bank locations as needed.
Perform other related duties as assigned, including cross-training across departments when necessary.