Universal Banker

**Job Description** **UNIVERSAL BANKER** | ***Location:*** | Oxford West Jackson Ave. | ***Department:*** | | | --- | --- | --- | --- | | ***Reports to:*** | Branch Manager | ***Positions Supervised****:* | None | | ***Employee Classification:*** | ☐ Temporary ☒ Regular Full Time ☐ Part-Time | | ***FLSA Status:*** | Non-Exempt Hourly ​ | | | | | | | **Position Summary:** The Universal Banker plays a key role in providing retail banking services and products to bank customers. The Universal Banker is “Guaranty Bank” to retail customers. In addition to performing a variety of tasks associated with transacting customer requests and verifying the completeness of retail banking transactions, the Universal Banker is in the prime position to develop new business opportunities with current and potential customers. **Essential Functions-Primary Responsibilities and Accountabilities (90%):** **Reasonable Accommodations Statement** To accomplish this job successfully, an individual must be able to perform, with or without reasonable accommodation, each essential function satisfactorily. Reasonable accommodations can be made to help enable qualified individuals with disabilities to perform the essential functions. **Essential Task Statement(s)** **Relationship and Business Development (40%)** - Process new account transactions, including compiling and preparing new account paperwork and applications. - Identify the unmet needs of current and potential customers and offer appropriate products and services. - Promote and provide information to customers on new and enhanced products, services, etc. - Promote and cross-sell exciting products and services to current and potential customers. - Open, maintain and close all deposit account types. - Participate in community events to increase bank visibility and develop business opportunities. **Customer Service (30%)** - Assist customer inquiries and requests regarding current accounts. - Assist with questions or concerns regarding current accounts, products, services or transactions. - Assist with additional services and products such as online banking, mobile banking, remote deposit capture, other deposit systems, safe deposit box access, ATM and debit card requests. - Perform traditional teller functions as needed by accurately processing checking and savings deposits, withdrawals, loan payments, bonds, etc. - Answer basic customer inquiries regarding interest rates, service charges, and account histories while complying with disclosure requirements, regulations and consumer privacy policies. - Answer and assist incoming callers with questions and requests; route callers appropriately. - Receive incoming bank visitors and assist in directing them appropriately. **Branch Operations/Ownership (20%)** - Record all transactions promptly, accurately, and in compliance with bank procedures. - Balance and replenish cash in ATM. - Weekly cash ordering. - Balance drawer daily, investigate and resolves out-of-balance conditions. - Sell prepaid travel and gift cards. Maintain log and inventory. - Buy and sell currency from the vault as necessary, ensuring that teller drawer cash limits are not exceeded. - Maintain appropriate currency logs, maintain target cash daily, balance Vault daily. - Sort and distribute work from other offices, process mail and night depository transactions. - Operate computer, telephone, copier, and other bank equipment. - Ensure bank is in compliance with federal banking regulations including, but not limited to Bank Secrecy Act, OFAC, Community Reinvestment Act, American with Disabilities Act, Right to Financial Privacy Act, Gramm-Leach-Bliley Act, the Federal Reserve’s “lettered” regulations, and Universal Banker roles and responsibilities relating to each act. - Ensure complete customer understanding of rates and FDIC insurance for depository accounts. **Additional Functions-Secondary Responsibilities and Accountabilities (10%)** **Additional Task Statement(s)** - Work overt…