United Community Bank Coral Gables , FL 33134
Posted 2 days ago
Job Title: Universal Banker II
Reports To: Varies
Direct Reports: N/A
Salary Grade: 6
SUMMARY
As a Universal Banker, you will have the opportunity to deliver excellent experiences for customers and prospects. In addition to assisting with everyday transactions, you will have the opportunity to help with customer resolution and financial wellness by having needs based conversations and identifying appropriate solutions.
EDUCATION AND EXPERIENCE REQUIREMENTS
High school diploma or equivalent
Minimum of three-years retail experience
Proficient computer operation skills and ability to operate standard office equipment
Proficient in Microsoft Office programs
Great interpersonal skills in dealing with both internal and external customers
Great telephone and customer service skills
Ability to uncover and provide solutions to meet customer needs and provide resolutions
Knowledge of consumer credit structuring and lending practices
Good analytical and communication skills
Participate in all required compliance training, including Bank Secrecy Act/anti-money laundering training, as well as internal and external training programs, online training, meetings, and seminars/conferences, etc.
JOB FUNCTIONS
Adhere to all security procedures and follow operational bulletins
Maintain basic knowledge of banking products and services
Extensive knowledge of financial institution policies and procedures pertaining to customer service and teller operations
Handle each transaction with care, sensitivity, and confidentiality
Provide efficient, accurate and high-quality service while maintaining good customer relations and present oneself as an example of extraordinary quality service
Answer customer inquiries and provide account information and updates as requested
Answer questions regarding bank policies as well as products and services
Maintain extensive knowledge of retail bank products and services and look for opportunities to strengthen existing customer relationships and develop new relationships by understanding customers' needs while considering perspectives and priorities of different customers
Drive proactive needs based sales conversations through interactions, including service to sales, teller interactions and appointment setting
Make referrals to other areas of the bank
Educate customers on options for managing transactions using technology and all other tools and resources available
Apply product and service knowledge to effectively solve customer problems
Assist other staff in serving customers, answering telephones and performing other duties as necessary
When applicable, admit authorized customers to the safe deposit box area, complete necessary forms and rent safe deposit boxes
Utilize bank programs such as customer management and sales tools
Participate and help branch achieve sales goals to maximize success
UNIVERSAL BANKER DUTIES:
Receive checks for deposit to accounts, verify amounts, examine checks for proper endorsement
Cash checks and process withdrawals; pay out money after verification of signature and customer balances
Place holds on accounts for uncollected funds
Verify and package coin and currency
Balance cash drawer at the end of the day and report any discrepancies to the Supervisor
Ensure the teller station is properly stocked with forms, supplies, etc.
Prepare currency transaction reports as necessary including entering information on monetary instrument logs
Process charge card payments and cash advances, loan payments, skip payments, safe deposit box rental payments, and utility payments (where applicable)
Orders and maintains inventory of negotiable instruments in teller area; verify cash received upon sale of negotiable instruments
Adhere to operator limits (Teller Supervisor's approval required on amounts larger) on all applicable transactions (ex: Split Deposits)
Perform daily teller functions such as issuing Official Checks, redeeming Savings Bonds, processing night deposits, preparing courier bags, etc.
Send items for collection when necessary
Work drive-in Teller area when necessary
Assist in ATM servicing when necessary
Engage customers in conversations to uncover opportunities to deepen the relationship and promote financial wellness for the customer
Provide personalized service to depositors including new checking, savings, and certificate accounts
Provide account advice, including resolution suggestions, other information and follow up to assigned customers as needed
Have a thorough knowledge of all retail products and service, including Individual Retirement Accounts and ability to renew maturing IRAs, process IRA transfers, rollovers, and disbursements
Fulfill onboarding process for all new customers
Perform daily operation of computer applications and make changes or updates to existing accounts when authorized and necessary
Responsible for ordering new account kits and related supplies
When applicable assist with vault money, which includes ordering/shipping/balancing
Verify cash received/shipped, orders and maintains inventory of official checks and other negotiable items for use in the teller area
Place stop payments when requested by customer
Verify and place holds on deposits as needed when risk of loss is identified
Promote, explain, open and renew (where applicable) financial institution services such as consumer loans (including real-estate loans), IRAs, Certificates of Deposit, safe deposit boxes, etc.
Assist customers financially by delivering loan products, while ensuring packages are correct and complete to minimize exceptions
Accept loan applications
Recommend and outline loan terms
Notify applicant of loan decision
Review, analyze and process consumer lending requests, package consumer loans as necessary in keeping with financial institution policies and procedures
NMLS # initial registration and annual renewal is required for this role. This process includes fingerprinting and background checks.
SUPERVISORY RESPONSIBILITY
This position has no direct reports.
WORK ENVIRONMENT
Location in United Footprint
POSITION TYPE
This is a full-time position that requires schedule flexibility to work evenings and weekends as needed.
TRAVEL
This position may require up to 20% travel.
OTHER
We are an Equal Opportunity Employer and do not discriminate against any employee or applicant for employment because of race, color, sex, age, national origin, religion, sexual orientation, gender identity and/or expression, status as a veteran, and basis of disability or any other federal, state or local protected class.
Reasonable accommodations may be made to enable individuals with disabilities to perform the essential functions.
The job description is not designed to cover or contain a comprehensive listing of activities, duties or responsibilities that are required of the employee. Other duties, responsibilities and activities may change or be assigned at any time with or without notice.
United Community Bank