Universal Banker I

 

Main characteristics

Location

River Falls, Wisconsin

Company

SECURITY FINANCIAL BANK

Employment type

Full-time

Category

Office and Administrative Support ›› Teller

Industry

Banks

Job summary

POSITION SUMMARY: Under the direction of the Sales and Service Mgr. and/or Lead Teller, the Universal Banker 1 is responsible for developing and maintaining customer relationships through accurately processing all customer transactions, gathering customer data to establish their banking relationship, referring other bank products and services as appropriate for the customer and managing customer accounts as necessary.

PRIMARY RESPONSIBILITIES AND ACCOUNTABILITIES:
1. Receive checking and savings deposits: verify cash and endorsements, receive proper identification for cash back, and issue receipts of deposit. Examine checks deposited and determine proper funds availability based on regulation requirements and complete Hold Notices.
2. Process savings withdrawals and close accounts at customer request. Cash checks: verify endorsement, receive proper identification, and ensure validity. Accept loan payments: verify payment amount, ensure proper coding and issue receipts.
3. Process night deposit and mail transactions according to the Banks procedure.
4. Issue money orders and cashiers checks, redeem U.S. Savings Bonds, process cash advances and sell Visa Gift and Travel Cards.
5. Buy and sell currency from the vault/recycler as necessary, ensuring that teller drawer cash limits are not exceeded. Buy and sell currency from the Federal Reserve, as necessary, ensuring that vault cash limits are not exceeded.
6. Balance drawer daily, including periodic batching of cashed checks. Balance vault, recyclers/dispenser and coin machine daily as assigned. Maintain appropriate currency logs and complete Currency Transaction Reports when appropriate.
7. Answer customer inquiries (in-person and phone) regarding interest rates, service charges, and account histories while complying with disclosure requirements, regulations and consumer privacy policies.
8. Provide electronic banking support for NetTeller, Mobile Banking, Bill Pay, Remote Deposit, Bank to Bank Transfers, Person to Person Transfers and telephone banking.
9. Handle customer information requests including but not limited to product and service information, account balance inquiries, check, deposit and loan payment postings and debit card transactions. Conduct necessary research utilizing available resources.
10. Handle customer orders for services including but not limited to wire transfers, telephone transfers, stop payments, address changes, automatic fund transfers, debit card activations, PIN resets and temporary limit increases; forward applicable requests to appropriate departments for processing when necessary. Maintain customer records in system when applicable (i.e. address changes, stop pays, etc.).
11. Interview new and existing customers to determine needs and gather information required to establish a banking relationship. Present appropriate deposit product features, fees and costs, matching the customer needs to the product. Prepare deposit documentation in accordance with bank policy and procedure.
12. Manage and resolve customer complaints. Utilize good judgment and understanding of Bank policy to effectively make independent decisions to resolve customer issues when appropriate.
13. Cross sell additional products and services by recognizing opportunities; explain new products and services and their features.
14. Perform other duties as assigned.

Education
* High School Diploma or equivalent.

Experience
* Previous customer service is required
* 1-3 years of banking experience is preferred
* Previous supervisory experience is strongly desired

Other Skills and Abilities
* Excellent customer service skills and the ability to work effectively and non-defensively with customers and staff members in order to provide superior customer service
* Ability to prioritize and make on-the-spot decisions regarding customer transactions, weighing customer satisfaction issues with Bank exposure to loss or fraud.
* Excellent listening, verbal communication and phone etiquette skills
* Must be customer service driven with a high level of interpersonal skills to handle sensitive and confidential situations.
* Knowledge of bank products and services.
* Knowledge of various federal regulations including Bank Secrecy Act, Right to Financial Privacy Act and Regulation E.
* Possess the ability and strong desire to develop the team within the Bank.
* Proficient computer skills including experience with Windows based applications (ability to navigate within multiple screens).
* Ability to operate a variety of office equipment, including a multi-line phone system, PCs, printers and scanners.
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PERFORMANCE MEASURES:
* Thoroughness and timeliness of services provided to internal and external customers.
* Effectiveness of communications and development of good working relationships with employees, co-workers and customers.
* Performs all duties with accuracy.

WORKING CONDITIONS:
* Work is performed largely within the Bank with limited chance for personal injury. Prolonged and frequent mental and visual concentration required. Periodic stressful situations in response to multiple priorities within established deadlines. Work hours are generally during normal business hours.
* Average at least 35-40 hours per week.
* Serves as a representative of the organization at appropriate functions.
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GENERAL NOTICE:

This position description describes the general nature and level of work performed by the employee assigned to this position and should not be interpreted as all inclusive. It does not state or imply that these are the only duties and responsibilities assigned to the position. The employee may be required to perform other job-related duties. All requirements are subject to change and to possible modification to reasonably accommodate individuals with a disability.

This position description does not constitute an employment agreement between the Bank and employee and is subject to change by the employer as the needs of the Bank and requirements of the position change.

Security Financial Bank is an equal opportunity employer of women, minorities, disabled veterans and individuals with disabilities.