The Universal Banker is responsible for assisting customers with all their banking needs. Provides full service to customers and non-customers seeking banking information and identifies potential opportunities for cross-selling and possible referrals. Provides exceptional customer service.

Essential Duties and Responsibilities:

1. Proficient in teller transactions. 2. Understands its individual goal and purpose to enhance the company's performance. 3. Identifies and evaluates client's needs by utilizing financial profiles to determine cross-sale opportunities to meet production objectives. 4. Maintains frequent contact with clients, returning all incoming calls and addressing problems/questions. 5. Assists customers with the account opening process, following the Bank's guidelines. 6. Assists customers with changes of address requests, profile updates, funds transfers' request, call backs and all other inquiries. 7. Responsible for growing revenue through loans, deposits, and other banking products. 8. Increase profits by establishing new accounts within the community while servicing established customer base. 9. Assists in resolving customer problems beyond the supervisory level in all operational areas. 10. Performs BSA enhanced due diligence through daily monitoring of various customer transaction reports. 11. Monitors debit/ATM fraud alerts and takes appropriate action. 12. Assists customers with fraud and/or identity theft issues. 13. Handles Regulation E disputes and adjustments for the bank's customers. 14. Manages the operation, security, servicing, and balancing of all branch ATMs 15. Completes and files various bank reports on a quarterly basis. 16. Participates in monthly branch manager meetings. 17. Performs daily, weekly, monthly, and quarterly auditing and reporting established by the bank's policies and procedures. 18. Participates in training seminars in all operations areas. 19. Supervises duties of tellers, coordinating their workflow and schedules and assist on teller line. 20. Ensures that all tellers handle themselves in a businesslike/professional manner in handling the customer needs. 21. Assists Tellers with out-of-balance reconciliations ensuring appropriate corrections are made. 22. Informs and updates team about all operational, procedural and policy changes. 23. Identifies red flags to detect fraud and prevent losses to the Bank. 24. Ensures all transactions performed are in accordance with established policies and procedures. 25. Prepares weekly Teller work schedules and all work assignments to ensure all time periods are covered. 26. Prepares daily totals and corresponding tickets for batch transactions. 27. Handles customer inquiries regarding basic account information. 28. Monitors and maintained an adequate supply of currency and coins. 29. Balances cash drawer and vault according to established schedule and performance standards. 30. Performs other duties as assigned.

Job Requirements:

A minimum of three years of banking experience, primarily in branch operations. Knowledgeable of banking regulations, BSA compliance, anti-money laundering laws and regulations. Possess excellent business acumen and customer service skills. Excellent verbal, written and presentation skills. PC proficient in Microsoft Office applications including Word and Excel. Completion of cross-selling and account opening training. Completion of USCB teller training.

MEMBER FDIC/EQUAL OPPORTUNITY/AFFIRMATIVE ACTION EMPLOYER/DRUG FREE

WORKPLACE