Sr. Universal Banker

Sr. Universal Banker

Requirements

• High School Degree or GED required.
• Minimum of 2 years bank operations and sales experience required.
• Excellent interpersonal skills, attention to detail, and customer service.
• Ability to work independently and collaborate effectively as a team member.
• Ability to make decisions and review and approve other employee decisions.
• Extensive knowledge of Bank deposit products and services.
• Thorough knowledge of Bank’s standard loan products.
• Knowledge of small business and consumer credit principles and practices.
• Extensive knowledge of alternative Bank services and products and vendor provided products.
• Ability to persuade, including the value and benefits of using the Bank’s services and products.
• Knowledge of applicable Federal and State banking regulations.

Responsibilities

• Represents the Bank and its products and services with pride and enthusiasm. Senses and responds to customer needs. Identifies and pursues new or related customer opportunities for additional products and/or services.
• Provides comprehensive deposit services to individuals, fiduciary, and small businesses in a retail branch. Promotes the full range of deposit and lending products and services that best meets the client’s needs.
• Receives, processes and closes consumer loan and small business loan applications and reviews loan packages for required documentation. Clarifies to customer basic qualifications for the loan(s), rates, terms and conditions. Keeps customer apprised of loan application status.
• Assists customers with account maintenance, adoption of digital banking channels, and other complex account issues. Deepen relationships and resolve concerns presented by clients.
• Provides teller line support and performs routine teller transactions as needed. Responsible for maintaining and balancing a cash supply for transactions performed.
• Reviews client transactions for red flags and fraudulent items. Maintains awareness of current criminal scams used against banking clients. Prevents clients from becoming victims of fraud. Escalates concerns to management for resolution.
• Maintains compliance with established internal operational standards and Federal and State regulations to protect the interest of the Bank and customers; reviews the work of others for compliance.
• May lead and direct the activities of Customer Service Representatives and other Universal Bankers.

Preferred Qualifications

• Notary license preferred.