Full-Time Universal Banker

Ridgewood Savings Bank•Hewlett, VA

40d•$831 - $1,011

About The Position

The Universal Banker promotes and sells bank products and services, supports customers with banking requests and account information, opens and maintains accounts, and processes customer transactions. The role follows established procedures and regulatory requirements, helps prevent fraud, resolves customer concerns, and supports branch operations. It also includes balancing daily transactions and cash, following up with customers, submitting referrals, and assisting with training new teller trainees.

Requirements

High school diploma or equivalent.
Banking experience preferred, or equivalent relevant experience of one year.
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 with a personal computer.
Basic knowledge of Microsoft Office.

Nice To Haves

Banking experience is preferred.

Responsibilities

Promote bank products and services through the bank’s defined sales process to maximize customer relationships.
Adhere to and promote the Bank’s Core Values.
Respond to customer requests and proactively approach customers and prospects regarding services, products, and account information; process requests for banking services.
Open accounts by collecting and verifying identification and information required by CIP/CDD and the Bank Secrecy Act, and ensure customers receive and understand account disclosures.
Process transactions, account closures, and account changes according to established procedures.
Deter fraud by validating customer identification and signatures, checking customer documentation, examining pedigree information, checking endorsements, and verifying hold codes and item details and legitimacy.
Process ATM and Debit MasterCards through the core system, ensuring correct delivery information and mitigating risk.
Perform clerical tasks assigned by Branch Management, 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 satisfactory verbal and written communication and established procedures.
Make follow-up calls to customers to support service quality and obtain pending items.
Develop comprehensive knowledge of bank products and services to provide accurate, relevant information to customers.
Verify monetary transactions using basic math skills 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 discrepancies between debits and credits.
Apply bank policies and procedures when processing transactions to ensure regulatory compliance.
Scan checks and ensure proper bank endorsement 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 their work, and helping them prepare to open their own teller box.