We are seeking a friendly individual who would enjoy educating our customers about their financial options, while assisting them with various financial transactions. Ideal candidates will have flexible availability, which will include Saturdays, be passionate about great customer service, have good communication skills, be organized, and have a strong attention to detail. Preferred candidates will possess previous teller experience.

The Universal Banker I Associate handles personal and transactional activity. The Primary responsibilities of this position are to help service customers with the paying and receiving functions of the bank, deepen customer relations and attract additional customers.

ESSENTIAL RESPONSIBILITES AND DUTIES

• Receives checking and saving deposits, verifies cash and endorsements, receives proper identification for cash back and issues receipts of deposit.
• Examines checks deposited and determine proper funds availability based on regulation requirements and completes hold notices.
• Processes savings withdrawals. Cashes checks, verifies endorsement, receives proper identification and ensures validity. Identifies counterfeit currency.
• Issues official checks and obtains necessary endorsements from bank officers for checks of $10,000 or greater.
• Answers basic customer inquiries regarding account interest rates, service charges and account histories while complying with disclosure requirements, regulations and consumer privacy policies.
• Accepts and processes check reorders as well as deposit and withdrawal tickets for both personal and business customers.
• Ensures teller station is properly supplied. Buys and sells currency from the vault as necessary, ensuring that teller drawer cash limits are not exceeded.
• Backs up vault teller with vault duties including balancing vault, TCR, and coin machine. Assists with rolling coin, cleaning 20s for ATM use and inter-sorting money as needed.
• Accepts loan payments, verifies payment amount and issues receipts.
• Balances drawer daily, including periodic batching of cashed checks. Maintains appropriate currency logs.
• Operates check-processing scanners to balance, proof, and endorse all incoming documents on a daily basis.
• Possesses knowledge and understanding to open basic consumer accounts for new and existing customers including: Relationship Checking, Interest Checking, Easy Checking, Private & Money Market Savings, Regular Savings, Youth Savings, Thrift Savings, CDs, & Safe Deposit Boxes.
• Processes Customer requests according to established department policies and procedures. Processes address change and stop payment requests. Troubleshoots issues with debit cards, online/mobile banking, and account issues. Orders ATM/ Debit cards, PIN mailers, and/or changing online passwords. Collects information for outgoing wire transfers and assists in client account reconciliation. Closes deposit accounts.
• Sells and assists deposit customers with mobile banking, mobile deposit, and bill pay services.

OTHER ESSENTIAL DUTIES

•  Actively works to assist in achieving bank goals. 
• Please note this job description is not designed to cover or contain a comprehensive listing of activities, duties or responsibilities and activities may change at any time with or without notice.

OTHER RESPONSIBILITIES

• Responsibilities include the following: 1) adhering to and complying with all applicable, federal and state laws, regulations and guidance, including those related to Anti-Money Laundering (i.e. Bank Secrecy Act, USA Patriot Act, etc.), 2) adhering to Bank policies and procedures, 3) completing required training, 4) identifying and reporting potential suspicious activity to the BSA/AML Officer, and 5) knowing and verifying the identity of any customer(s) that enters into a relationship with the Bank.
• Informs supervisor of important matters which must be known to effectively manage department operations.
• Adheres to the values of the mission statement, which in turn will prove a base of shared values for everyone who works within the organization.
• Follows self-development and participates in educational programs to increase skills and knowledge in lending, policies, programs, and systems.
• Develops and maintains good working knowledge of job responsibilities and procedures, which facilitates efficient performance of duties.
• Contributes to a favorable working climate within the organization through a friendly and cooperative attitude and exhibiting good teamwork skills. Willingly assist others as necessary to keep work current, meet deadlines and spread workload equally. Offers flexibility in covering vacations and other absences.
• Handles customers and outside contacts in a friendly, pleasant, professional manner, which enhances a favorable image of the organization.

SUPERVISORY RESPONSIBILITIES

This job has no supervisory responsibilities.

WORK ENVIRONMENT

The work environment characteristics described here are representative of those an employee encounters while performing the essential functions of this job. Reasonable accommodations may be made to enable individuals with disabilities to perform the essential functions.

The work environment is typical of an office and does not require exposure to difficult or hazardous conditions. The noise level in the work environment is usually quiet.

FULL-TIME BENEFITS

Health, Dental, H.S.A, and F.S.A

• Employer paid employee dental- starts the first of the month after employment date
• Employer pays 60% of medical premium. Employee pays 40% of medical premium- starts the first of the month after employment date
• HSA- monthly employer contributions corresponding to medical plan elected
• HSA- employee contribution optional
• FSA- Medical and Dependent care employee contribution optional

Life Insurance, Long Term Disability, Supplemental Insurance

• Employee Life Insurance Coverage of $50,000 paid by employer - eligible the 1st of the month after 30 days of employment
• Long Term Disability paid by employer- eligible first of the month after one year of employment
• Supplemental Life & AD&D options paid by Employee -eligible the 1st of the month after 30 days of employment, may require Evidence of Insurability for supplemental plans
• Supplemental Accident, Hospitalization and Critical Illness plans paid by Employee-eligible the 1st of the month after 30 days of employment, Requires an application

401K

• Must be 21 years of age
• Entry date immediately after eligibility requirements are met
• Employer match after 1 year of service and 1,000 hours per year completed

QUALIFICATIONS

• To perform this job successfully, an individual must be able to perform each essential duty satisfactorily. The requirements listed below are representative of the knowledge, skill, and/or ability required. Reasonable accommodations may be made to enable individuals with disabilities to perform the essential functions.
• High School diploma or GED equivalent required; prefer two years of college or technical school; prefer two years of work-related experience.
• Language skills including but not limited to the ability to read and interpret documents such as safety rules, operating and maintenance instructions, and procedure manuals. Ability to write routine reports and correspondence. Ability to speak effectively before groups of customers or employees of organization.
• Mathematical skills including but not limited to the ability to calculate figures and amounts such as discounts, interest, commissions, proportions, percentages, area, circumference and volume.
• Reasoning ability to solve practical problems and deal with a variety of concrete variables in situations where only limited standardization exists. Ability to interpret a variety of instructions furnished in written, oral, diagram, or schedule form.

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

While performing the duties of this job, the employee is regularly required to sit, use hand to finger handle, or feel; reach with hands and arms; and talk or hear. The employee is occasionally required to stand and walk. The employee must occasionally lift and/or move up to 25 pounds. Specific vision abilities required by this job include close vision, distance vision, and ability to adjust focus.