Full-Time Universal Banker

Ridgewood Savings Bank•Hollis, NY

About The Position

The Universal Banker promotes and sells bank products and services through the bank’s defined sales process to maximize customer banking relationships. The role responds to customer requests and proactively discusses service, products, account information, and banking-service requests. It processes account openings, transactions, account closures, account changes, ATM and debit cards, and check scanning while following established procedures and applicable regulatory requirements. The Universal Banker also provides customer support and follow-up, maintains records and performs clerical tasks, balances daily transactions, manages cash within established limits, submits referrals, and assists with training new teller trainees.

Requirements

High school diploma or equivalent.
Above-average verbal and written communication skills.
Basic math skills.
Knowledge of bank products and services.
Pursuit of certification in life insurance, lending, or business banking is expected.
Proficiency using a personal computer.
Basic knowledge of Microsoft Office.

Nice To Haves

Banking experience is preferred; relevant equivalent experience of one year is also noted.

Responsibilities

Promote the sale of bank products and services through the bank’s defined sales process.
Adhere to and promote the Bank’s Core Values.
Respond to customer requests and proactively approach customers and prospects regarding services, products, account information, and banking requests.
Open accounts by collecting and verifying identification and information in accordance with CIP/CDD and the Bank Secrecy Act.
Ensure customers receive and understand appropriate account disclosures.
Process transactions, account closures, and account changes according to established procedures.
Deter fraud by validating identification and signatures, checking customer documentation, examining pedigree information, and checking endorsements.
Verify hold codes and details such as dates and bank names, and assess the legitimacy and negotiability of items received.
Process ATM and Debit MasterCards through the core system, ensuring accurate delivery information and mitigating risk.
Perform clerical tasks assigned by the Branch Management Team, including filing, locating account records, scanning work, and updating account information in the core system.
Follow current shredding procedures to comply with Regulation P.
Analyze and resolve customer concerns through verbal and written communication and established procedures.
Make follow-up calls to ensure customers receive exceptional service and pending items are received.
Develop comprehensive knowledge of bank products and services to provide accurate, relevant information to customers.
Verify monetary transactions using basic math and a calculator.
Process customer transactions using the bank’s core operating system and cash dispenser or cash recycler.
Balance daily by counting cash, adding checks, listing transaction totals and ledger items, and identifying and correcting imbalances.
Apply bank policies and procedures to ensure regulatory compliance when processing transactions.
Scan checks and apply proper bank endorsements for accurate credit and settlement in accordance with Regulation CC.
Sell currency back to the vault as necessary to mitigate risk and comply with cash limits.
Submit referrals to designated areas through appropriate channels.
Assist in training new teller trainees by demonstrating and teaching transaction processing, observing and correcting trainees, and helping them prepare to open their own teller box.