Universal Banker Job Description
Universal banker
provides guidance/assistance to less experienced Commercial Bankers to develop a thorough understanding of bank products, services, credit standards, and bank pricing parameters, business development programs/automated systems.
Universal Banker Duties & Responsibilities
To write an effective universal banker job description, begin by listing detailed duties, responsibilities and expectations. We have included universal banker job description templates that you can modify and use.
Sample responsibilities for this position include:
Processes customer transactions and maintains accurate records of all interactions and transactions according to the Bank's policies and procedures
Develops working relationships by effectively responding to customer needs, resolving inquiries/ complaints in a positive, professional and timely manner as outlined in Bank policies and procedures
Responsible for ensuring all transactions are processed in accordance with internal policies and procedures including (BSA) Bank Secrecy Act requirements
Follow-up with customers and internal departments to ensure that all documentation is received and in compliance with bank procedures
Overall success by meeting defined targets for both service excellence
Takes 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
Identifies, develops, and closes sales
Actively engage in meaningful conversation with customers in order to seek a thorough understanding of their compete financial needs
Partners with and/or refer business specialist, such as loan officers, business banking and financial advisors to ensure specialized financial needs are met
Serves as digital expert with the ability to demonstrate above average knowledge of all ditial channels in an effort to cross sell and expand existing relationships
Universal Banker Qualifications
Qualifications for a job description may include education, certification, and experience.
Licensing or Certifications for Universal Banker
List any licenses or certifications required by the position: FICA, ATM
Education for Universal Banker
Typically a job would require a certain level of education.
Employers hiring for the universal banker job most commonly would prefer for their future employee to have a relevant degree such as Associate and Bachelor's Degree in Education, Communication, Business, General Education, MBA, Military, Graduate, Associates, Finance, Accounting
Skills for Universal Banker
Desired skills for universal banker include:
Retail products and services
Procedures
Policy
Retail product philosophy
Documentation and systems
Bank deposits
Lending products
Credit products
Refer customer to specialists partner
Services to open accounts
Desired experience for universal banker includes:
Knowledge of risk management and loss prevention
Comfortable with technology & smartphones, ipads, online banking, remote deposit capture, ATM deposits, etc
Working knowledge of Branch systems
Commercial new accounts experience preferred
Acting as Lobby Manager, proactively engaging customers in conversation to understand their needs, mood, and sentiment and using the information uncovered to assess whether the customer should be referred to a Financial Advisor or whether their needs can be fulfilled immediately
Acting as an ambassador and advocate for the digital and self-service banking experience
Universal Banker Examples
1
Universal Banker Job Description
Job Description Example
Our innovative and growing company is searching for experienced candidates for the position of universal banker. If you are looking for an exciting place to work, please take a look at the list of qualifications below.
Responsibilities for universal banker
- Up-to-date and comprehensive knowledge of all related policies and procedures and rules and regulations across deposit and lending processes
- Deepens existing customer relationships through a variety of proactive sales and service initiatives which should be captures in the Bank's CRM
- Drives proactive sales conversations through inbound and outbound interactions
- Opens checking, savings, money market, retirement products and certificates of deposit accounts
- Partners with and/or refer business specialist, ie., loan officers, business banker, financial advisors to ensure specialized financials needs are met
- Responsible for daily cash & ATM proof
- Actively participates in all branch activities, including but not limited to
- Ability to effectively complete and pass all required quarterly/annual BSA training requirements
- Actively supports the Bank's community related initiatives in an effort to continue building the brand in all segments of the communities we serve
- Demonstrate knowledge of all retail bank products and services basic understanding of specialty product lines
Qualifications for universal banker
- Creating a sense of continuity when introducing customers to Advisors by notifying Advisors of the customer’s arrival, facilitating introductions, and conveying relevant customer information to the Advisor
- This position requires sitting over 66% of the time
- This position requires Visual Acuity at 20 inches (or less) over 66% of the time
- Prior Universal Banking experience is a must
- Ability to float between all 3 of the bank locations (Newton/ Wellesley/ Boston)
- Cross sells bank wide products and services to clients by expanding the personal banking relationship to more complex needs (Benchmark mutual funds, lines of credit, letters of credit)
2
Universal Banker Job Description
Job Description Example
Our innovative and growing company is looking to fill the role of universal banker. Thank you in advance for taking a look at the list of responsibilities and qualifications. We look forward to reviewing your resume.
Responsibilities for universal banker
- May function in a mentor capacity offering guidance, instruction, and coaching to fellow Tellers or Platform associates as it relates to problem resolution, policy and procedure adherence, and goal achievement
- Complete all functions related to opening and closing accounts, assisting customers with the appropriate selection of accounts, ability to perform research for customer accounts and comply with BSA and CIP requirements
- Take responsibility for branch and individual goals and engage with customers in order to present products and solutions to meet their needs
- Assist customers with choosing the appropriate consumer loan product, take applications, communicate decision to customer, and subsequently close and fund consumer loans
- Complete knowledge of all aspects of the teller line including processing transactions, balancing cash drawer and vault, other basic branch operations functions
- Cross-sell products and services aligning with customer needs
- Operate a teller drawer to serve customers in lobby or drive up
- Onboard customers in accordance with the bank’s program
- Receive and process telephone calls for customer service requests and sales in a call center environment
- Provide banking account information and explain product features to customers
Qualifications for universal banker
- Assumes selective administrative assignments
- Knowledge of federal regulations and bank credit guidelines, usually acquired through related work experience or formal training, is required to ensure compliance of personal banking products and services
- Strong knowledge of small business, mortgages, and lending services a plus
- Proficient using technology -- smartphones, iPad, online banking, remote deposit capture, ATM deposits
- Strong understanding of personal finances and concept of budgeting
- Ability to function in and positively influence in a team environment
3
Universal Banker Job Description
Job Description Example
Our company is searching for experienced candidates for the position of universal banker. If you are looking for an exciting place to work, please take a look at the list of qualifications below.
Responsibilities for universal banker
- Open deposit products such as checking, savings, CD, IRA accounts and safe deposit boxes
- Process deposit applications from the field
- Promote seamless service to ensure customer satisfaction goals and standards are met
- Develop new business by researching and analyzing community markets, calling on existing and potential clients and local businesses, and prioritizing client needs
- Use expert-level product knowledge and a keen reading of customers' needs assessments to sell customers the right thing
- Ensure customers have a complete and accurate understanding of product features, including service charges, interest rates
- All Universal Banker responsibilities including
- May act as an informal resource for colleagues with less experience when it comes to handling more complex questions and problems
- Providing a positive member experience by listening and understanding needs and making it simple for them to do business with us
- Open deposit accounts and loans (including but not limited to verifying eligibility of membership, ordering checks and/or debit cards, sending documents electronically)
Qualifications for universal banker
- High school diploma or general education degree (GED) and four (4) or more years of related experience and/or training
- High School Diploma and or GED with a minimum of two year’s experience in a financial services sales position or equivalent combination of education and experience
- Ability to successfully complete Universal Banker training and pass the final exam
- One to two years sales and/or customer service experience required
- Cash handling experience preferred but not required
- Basic clerical abilities including typing and 10-key
4
Universal Banker Job Description
Job Description Example
Our company is growing rapidly and is looking to fill the role of universal banker. If you are looking for an exciting place to work, please take a look at the list of qualifications below.
Responsibilities for universal banker
- Ability to respond to members requests, problems and complaints, resolving issues and/or directing them to appropriate person for specific information and assistance
- Ability to identify key issues and problems from partial/conflicting data and offers new, less obvious solutions and makes sound decisions
- Responsible for relationship development, promotion of credit union products & services providing sales strategies, analysis of member needs and in-depth product knowledge to existing members and prospects via telephone
- Maintain a cross-selling environment in the branch
- Sales production which results in increase fee income and revenue
- Demonstrate passion by building and sharing knowledge of all retail bank products, services and specialty product lines
- Cross sell bank products to customers and prospects regularly via in person interactions, phone calls, community involvement, Work with teller line and/or Personal Banker staff to assist them in achievement of branch goals
- Lead teammates by assisting branch management with coaching and training new associates on products and services
- Collaborate with other associates and lines of business to meet and/or exceed designated individual and branch goals
- Maintain complete knowledge of all aspects of the teller line including processing transactions, balancing cash drawer and vault, other basic branch operations functions
Qualifications for universal banker
- Four (4) or more years of related experience and/or training
- Minimum two years in a customer contact/sales position or equivalent preferred
- Must be available to work all shifts including Saturdays
- Bilingual- fluent in Portuguese preferred
- Communication, Advanced New Accounts, Time Management
- Sales, Critical Thinking, Cash Management, Leadership, Coaching
5
Universal Banker Job Description
Job Description Example
Our company is searching for experienced candidates for the position of universal banker. To join our growing team, please review the list of responsibilities and qualifications.
Responsibilities for universal banker
- Assist with the maintenance of proper support documentation and due diligence of daily entries
- Process customer wire transfer and ACH origination files
- General teller duties, including processing of deposits, withdrawals, cashed items
- Research and processing of return and non-posted General Ledger items
- Assist bank customers with the opening of new accounts or services and general customer service inquiries
- Assist with tracking of Bank performance under the Community Reinvestment Act to ensure community development goals are met and appropriately documented
- Assist with providing responses to audit requests
- Assist with daily closing of the branch as needed
- May assist with projects as needed and other duties as assigned
- Provide teller/platform support as needed to keep the lines to a minimum and to provide quality customer service
Qualifications for universal banker
- Bank products and services such as loans and lines of credit
- Bank systems
- Banking regulations including deposit, lending and know your customer regulations
- Knowledge of Individual Retirement Accounts and the laws that govern them
- 1 year personal banking experience
- Working within a customer service environment