Primary & Essential Responsibilities
Transaction/Sales Responsibilities:
Universal Bankers are responsible for offering and selling financial products and services to both consumer and small business customers. Including, but not limited to:Checking and Savings Accounts Certificates of Deposit Individual Retirement Accounts (IRAs) Health Savings Accounts
Deposit only business relationship customers with non-lending needs
Operates a teller window regularly to meet the needs of the banking center.
Provides exceptional customer service while listening for sales opportunities, explains and promotes bank products or services to customers and actively participates in the referral program and strives to meet goal (as determined by individual bank).
Effectively use sales skills such as: effective listening, adapting to differences in customers, identifying needs, expanding and deepening customer relationships, responding to verbal and non-verbal clues, presenting solutions through product benefits, establishing a clear difference, overcoming resistance, asking for the business, completing sale, nurturing relationships, and establishing methods for follow-up.
Follow up with prospects and current customers to promote new products and services and/or thanking customers for existing business.
Actively monitor the status of key customer relationships to promote business growth and service quality, increase the number of services used per customer to increase both profits and customer retention.
Maintains confidentiality in handling customer and bank information.
Follows security policies and procedures to prevent bank and customer losses.
Resolves customer complaints.
Maintains a detailed level of knowledge on retail products and services and a conversational knowledge of non-retail products (e.g., mortgage, insurance, wealth management)
Works collaboratively with the banking team to achieve customer service and sales objectives
Actively participates in banking center sales activities

B. Operations Responsibilities
Responsible daily for all teller operations
Maintains an acceptable Cash Over and Short account according to the bank policy guidelines.
Prepares Currency Transaction Reports and Monetary Instrument logs.
Must be security conscious and comply with all Bank Secrecy Act/Anti-Money Laundering requirements, Privacy of Customer Information Policy, and all consumer protection laws, regulations, and Bank policies as related to assigned job duties.
Opens and closes the banking center according to bank security policy.
Completes annual E-Learning Plan, Bank Secrecy Act (BSA) and other compliance training as assigned and maintains up-to-date knowledge of BSA and other regulatory requirements as it relates to the job function.
Performs Other Duties as Assigned

Education
REQUIRED QUALIFICATIONS:
High School Diploma/GED.
Bachelor’s Degree preferred.

Required Skills & Experience
1-3 years of experience in sales & customer service
Previous teller or cash handling experience preferred, but not required
Experience providing high quality customer service
High attention to detail
Experience working in a team environment
Ability to count and balance cash
Ability to read and interpret documents such as policy and procedure manuals
Demonstrated ability to multi-task and manage time
Knowledge of MS Office, Windows and ten key calculator
Must satisfy requirements of the Federal Deposit Insurance Act Sec. 19

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