Jr. Universal Banker and Universal Banker
- Location: City of Industry, CA and Cupertino, CA
- Job Schedule: Full-Time
Position Overview
The Universal Banker provides superior customer service, quality, and efficiency to customers who prefer face-to-face interaction with the bank. The role involves understanding customer transaction requirements, effectively communicating available options, cross-selling appropriate products, and referring customers to the right channels. Responsibilities include processing transactions like deposits and withdrawals, opening new accounts, and ensuring compliance with bank policies and regulations such as BSA, CTR, OFAC, and CIP.
Job Descriptions
With a solid understanding of bank products and customer relationships, the Universal Banker offers information on banking products and services, evaluates customer needs, and makes suitable referrals. Key duties include:
- Receiving checks and cash deposits, verifying amounts, and examining checks for endorsement and negotiability.
- Cashing checks and paying out money after verifying signatures and account balances.
- Preparing and processing new customer applications and account openings.
- Providing ongoing service to current customers to maintain relationships and attract additional business.
- Advising customers on account status, enhancements, and resolving disputes.
- Responding to inquiries and requests regarding accounts.
- Using customer interactions to educate and cross-sell bank products, explaining features and benefits, and making appropriate referrals.
- Acting as a trusted resource for digital banking products like online and mobile banking, bill pay, transfers, and more.
- Staying informed about new products and services.
- Generating new business to meet profitability goals.
- Handling phone calls, managing multiple priorities, and maintaining a professional appearance.
- Assisting branch management on projects and guiding visitors.
- Completing mandatory compliance training annually and performing other duties as required.
Required Skills and Qualifications
- High school diploma or GED
- One to three years of related experience
- Excellent communication skills, organized, with computer proficiency (Outlook, Excel, Word)
- Strong sales, interpersonal, organizational, and time management skills, with cash handling experience
- Knowledge of banking laws, regulations, and policies, and compliance with them
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