Universal Banker I

Posted: 09/03/2023

Experience: 6 months to 2 years of similar or related experience.

Education/Certifications/Licenses: High school education or GED

Wage/Salary: Based on experience

Major Duties and Responsibilities
Personal Banker I

  • Open new accounts and other deposit products offered
  • Introduce and sell other bank products available
  • Sell relationship banking concept/products to new/current customers
  • Have in-depth understanding of bank products and services which include: Deposit accounts, available loan products, and other products offered by bank, Online banking products and services - consumer and business, Debit Card Program and associated fraud prevention programs ENFACT and CardValet, Credit Card Program, Merchant Services Program, eACH Origination, Merchant Remote Deposit Capture, Mobile Deposit, Positive Pay
  • Close Accounts – IRA, HSA, CD, Checking, Savings
  • Execute wire transfers
  • Problem-solve customer complaints, transactions which cannot be handled at the teller line, research per customer request, process ATM/Debit card disputes, and provide extra care and attention to customers when needed
  • Work closely with FFBT Business Development Officers and all lenders to: Cross-sell products and make cross-referrals for a full-service banking relationship and make joint calls when requested
  • Obtain credit records from credit reporting agency
  • Consumer Lending including: Personal Reserves, Unsecured Loans, and Share Loans
  • Answer phones and direct calls
  • Receive checks and cash for deposit or cashing, verify amount, and examine checks for endorsements, signatures and date issued
  • Process withdrawals, transfers, general ledger transactions, wire transactions, credit card transactions, stop payment requests, check orders, customer statements, and research requests
  • Assist customers with online banking
  • Enter customer transactions into computer for recordkeeping and issue customer receipts
  • Prepare and process daily checks
  • Count coin for the vault balancing
  • Balance currency, coin, checks, and all teller transactions and compare totals to computer totals
  • Prepare currency and fill out cash slip for selling cash to vault teller
  • Reports all cash offages to supervisor
  • Sales/cross sell products; explain, promote, and sell products and services such as debit cards and cashier’s checks
  • Process night depository transactions
  • Process address changes, file documents, mail notices, send/receive faxes, answer telephone calls, process e-mail statement requests
  • Process loan payments
  • Scan and verify deposit documents scanning software
  • Process daily checks through Branch Capture
  • Issue and activate PIN for ATM and Debit Cards
Must provide exceptional customer service and comply with all company policies and procedures, applicable laws and regulations, including but not limited to, the Bank Secrecy Act, the Patriot Act, and the Office of Foreign Assets Control.