Universal Banker

Job Description

Job Title: Universal Banker

Reports To: Branch Manager

Location: Grand Point Branch

Work Schedule: Monday-Friday - 40 hours per week

Job Type: Full-time

General Purpose of Position:

The Universal Banker is the customer ambassador for FM Bank with the overall purpose of providing quality and efficiency to customers who prefer face-to-face interaction with the Bank. This position will have a thorough understanding of the customer's transaction requirements and be able to effectively communicate all available options to them. Universal Bankers have the ability to work on the teller line, open new accounts, and process secured and unsecured loans and Home Equity Lines of Credit accounts.

Summary of Responsibilities:

Actively engage in meaning conversation with customers in order to seek a thorough understanding of their complete financial needs

Take responsibility for branch and individual goals through engagement with the customers and prospective customers to present and cross-sell products and solutions to meet customers' needs

Serve as digital expert with the ability to demonstrate above-average knowledge of all digital channels in an effort to cross-sell and expand existing relationships

Accurately open & close Savings, Checking, Time Deposit, Individual Retirement and Health Savings accounts for customers

Accurately process the applications and closing documentation for secured & unsecured loans and Home Equity Lines of Credit (HELOCs)

Responsible for ensuring all transactions are processed in accordance with internal policies and procedures, including Bank Secrecy Act (BSA) requirements

Process wire transfers and issue Cashier's Checks

Collect and safeguard sensitive financial data

Identify opportunities to promote banking products and refer clients to the appropriate business partners

Overcome objections in a positive, service-oriented manner

Courteously and competently resolve all customer complaints, taking ownership from the first contact to final resolution

Assist customers with inquiries and issues over the phone

Meet and/or exceed performance evaluation metrics

Actively participate in training, meetings, and promotions

Perform routing bank telling tasks, including making deposits, withdrawals, transfers, and cash advances, receiving loan payments, and cashing checks

Balancing and filling the ATM and Teller Cash Dispenser/Recycling Machines

Processing bulk coin deposited with the Bank

Processing address changes and collecting safe deposit box rental payments

Maintain and balance the cash drawer on a daily basis by accounting for cash assigned, received, and disbursed

Comply and stay up-to-date with applicable laws and regulations

Promote strong customer interactions, build relationships and participate in cross-selling, and offer new products and services

Demonstrate good risk management decisions, including displaying solid knowledge of guidelines for fraud prevention and robbery

Actively contribute to meet the branch business goals, as well as individual sales and customer service goals

Accurately close out the teller terminal

Other duties, as assigned

Educational and Experience Requirements:

High School Diploma or equivalent required

Bachelor's degree preferred

One to two years of previous Teller or Customer Service Representative experience preferred

Must be able to add, subtract, multiply, and divide in all units of measure, using whole numbers and decimals

Demonstrated ability to use a calculator and a computer

Ability to use Microsoft Office products

Experience with financial institution software systems preferred

Cash handling, customer service, and/or sales experience preferred

Ability to stand and sit for long periods of time

Skills Requirements:

Excellent verbal and written communication skills

Strong attention to detail

Excellent math skills

Trustworthiness and the ability to act with integrity

Thorough understanding of customer service

Ability to remain professional and composed under pressure

Ability to learn the products offered by FM Bank

Ability to accurately complete documents & analyze information

Ability to read and interpret documents

Supervisory Responsibility:

No Supervisory Responsibility