Universal Banker

CB Financial Services, Inc. Wheeling , WV 26003

Posted 1 week ago

Universal Banker

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Classification: Non Exempt

Salary Grade: Pay Grade 2 - salary based on experience

Reports to: Branch Manager / Assistant Branch Manager (Officer in Charge)

Job Description Date: June 21, 2017



The purpose of this position is to provide prompt, efficient and friendly service to customers involving new account information, consumer lending and teller transactions, as needed. This is a cross-trained position and requires the ability to multi-task and also serve at the back up to the manager, when necessary.

This position will have extensive contact with customers and the public in a variety of settings. Position is responsible for promoting services of the bank, which requires a cheerful disposition, and the ability to employ tact and diplomacy in providing quick and efficient responses to all customer inquiries. Position also requires leadership qualities since it is the back up to the manager, in some cases.


  • Achieve growth in deposits by the assigned percentage determined by the Branch Manager.

  • Achieve growth in loans by the assigned percentage determined by the Branch Manager.

  • Satisfactory Compliance and Audit results (i.e., deposit exception report)

  • Treat every customer with the highest level of professionalism and provide exceptional customer service.

  • Completion of all required internal training programs.

Essential Functions

Reasonable accommodations may be made to enable individuals with disabilities to perform the essential functions.

  • Assist with new account duties including identifying prospects for new or additional bank services. Recommend bank services to selected prospects and cross-sell existing customers.

  • Explain the different types of accounts available to customers and assist in the selection of the type of account that will best meet customer needs, assign account numbers, complete forms requiring customer signatures and accept initial deposits.

  • Obtain proper identification from new customers, decide whether to accept account, and determine need and extent of reference investigation.

  • Place orders for checks, endorsement stamps and any other items needed for new accounts.

  • Complete computer forms and input incident to opening accounts and issuing certificates of deposit.

  • Answer incoming telephone inquiries and assist or transfer customers as needed; mail correspondence and forms for existing customers.

  • Assist customers in accessing their safe deposit boxes.

  • Process all documents and items pertaining to checking accounts, savings accounts, safe deposit boxes and certificates of deposit.

  • Sell, renew and redeem certificates of deposit.

  • Cross-sell products and services of the bank.

  • Provide customer assistance with balancing checkbooks, requests and minor complaints. Refer/direct customers to other departments or branches as necessary.

  • Receive and distribute branch mail.

  • Assist with ATM balancing as necessary.

  • Perform account maintenance as needed.

  • Maintain petty cash.

  • Send various mailings to customers and employees.

  • Close accounts and take applications.

  • Participate in credit extension functions with lending authority; perform loan processing tasks for all loan types as required.

  • Assist with loan function.

  • Quote loan rates and payment amounts

  • Quote payoffs for personal and car loans.

  • Assist Branch Manager with supervision of branch employees

  • Aid in the development and implementation of teller training and cross training.

  • Perform other duties as assigned in relation to the above mentioned.

Other Duties:

  • Receive cash and/or checks for deposit to checking, savings accounts, taxes withheld payment for installment loans, Master Card/Visa, mortgage payments; open and receive payments for Christmas Club accounts; issue money orders, travelers checks, and cashiers checks. Collect late charges and fees where applicable. Process night deposits.

  • Cash checks in accordance with bank policy. Pay MasterCard/Visa cash advances and savings withdrawals; cash savings bonds. Receive payment for collection items, safe deposit rentals and other miscellaneous items.

  • Recognize customer needs and suggest appropriate services of the bank. At customer's request, prepare printouts from terminal of customer account transactions.

  • Prepare currency for vault and enter daily debit and credit transactions in vault register. Mutilate and strap currency; separates and rolls coin, and distribute excess coin and currency to vault teller.

  • Prepare teller summary sheets, certified check, currency transaction, and CTR reports.

  • Audit vault, put stop payment on checks, and answer the phone.

  • Perform other duties as assigned in relation to above mentioned duties and responsibilities.


Ethics/Integrity: Knowledge of practices, behaviors, applicable laws, rules and regulations governing proper business conduct.

Adaptability: Knowledge of successful approaches, tools and techniques for dealing with changes and adapting to a changing environment.

Customer Service: Works well with customers, promotes a positive image of the company, strives to solve issues raised by customers.

Productivity: Manages workload, works efficiently, meets goals and objectives.

Quality: Strives to eliminate errors, accurate work is a priority, seeks opportunities to improve products/services.

Cooperation: Willingness to work harmoniously with others in getting a job done. Readiness to respond positively to instructions and procedures.

Supervisory Responsibility:

This position could have supervisory responsibilities in absence of the supervisor in charge.

Work Environment:

This job operates in a professional office environment. This role routinely uses standard office equipment such as computers, phones, photocopiers, filing cabinets and fax machines.

Physical Demands:

The physical demands described here are representative of those that must be met by an employee to successfully perform the essential functions of this job.

While performing the duties of this job, the employee is regularly required to talk or hear. The employee frequently is required to stand; walk; use hands to finger, handle or feel; and reach with hands and arms.

Position Type/Expected Hours of Work:

Some flexibility in hours is necessary based on the location assignments, but the employee must be available during the "core" work hours of 8:30 a.m. to 4:30 p.m. Monday through Friday and must work 37.5 hours each week to maintain full-time status. Saturday hours are required for all retail staff, usually once every 3-4 weeks, but this schedule could be adjusted for coverage needs.


Travel for this position is limited to travel for meetings/training or helping other locations with staffing needs.

Required Education and Experience:

High school graduate or equivalent.

Preferred Education and Experience:

Generally, less than two years of banking or related experience.

Additional Eligibility


Strong clerical skills, good communication skills and professional appearance are necessary for this position. Proficiency with a computer, adding machine, copier, fax machine, and other office equipment are required. The ability to learn EzTeller, Premier and sales tracking systems.

AAP/EEO Statement:

Community Bank is an equal employment opportunity employer. It is the policy of Community Bank to afford equal employment opportunity and to recruit, select, hire, train, transfer, and promote individuals in all job titles regardless of race, color, religion, sex (including pregnancy, gender identity, and sexual orientation), national origin, age, disability, genetic information, Vietnam era veteran, disabled veteran, or other eligible veteran status.

(Rev. 6/2017)

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Universal Banker

CB Financial Services, Inc.