Job Description

Universal Banker III

On-site Work Position

Purpose: Universal Banker III (UB III) is responsible for conducting transactions; opening and maintaining both personal and business accounts; conducting account resolutions; as well as consumer lending duties. A UB III will also pursue cross-selling opportunities for current and future customers. The primary purpose of a UB III is providing service and efficient solutions for our customers. A UB III will have a thorough understanding of the customer transaction requirements and be able to effectively communicate all available options, resources, and solutions to provide an exceptional banking experience. 

1. Transactional/Customer Assistance
   • Process customers’ deposits, withdrawals, loan payments, loan/cash advances, cashier’s checks, and other routine transactions.
   • Routinely provide customers with accurate information and troubleshoot customer issues.
   • Familiar with company resources available to best assist customers.
   • Assist customers with access to safe deposit boxes, address changes, & travel notifications.
   • Troubleshoot issues with debit cards, credit cards, online banking, & answer general account questions.
   • Sell gift and travel cards.
   • Collecting information for, as well as executing wire transfers.
   • Balance and service branch ATMs and vaults.
   • Close depository accounts (checking, savings, money market, COD, HSAs, IRAs, etc.).
   • Open depository accounts such as checking, savings, money market, CODs, HSAs, IRAs, etc.
   • Take loan applications and can quote rates, terms, projected payments, as well as performing the loan closing.
2. Branch Responsibilities

• Follow proper branch opening and closing procedures.
  • Balance and service ATM and cash vault.
  • Assist customers with access to safe deposit boxes.
  • Provide exceptional customer service through all means of communication.
  • Open and maintain personal deposit accounts (including IRAs and HSAs).
  • Aid Assistant and Branch Managers, as needed.

1. Cross selling
   • Recognize customer cues for appropriate products and services they currently may not be using.
   • Comply and work toward the branch goals to achieve and/or exceed branch growth potential.
2. Account Acquisition
   • Open personal and business accounts for new and existing customers.
   • Perform follow-up with customers.
   • Responsible for updating the necessary customer account maintenance/changes.
   • Execute the loan application process and perform loan closings.
3. Other Activities
   • Ability to demonstrate compliance with all bank regulations for assigned job functions and apply to designated job responsibilities. Knowledge may be gained through coursework and on-the-job training. Must be able to keep up to date on regulations changes; follow all bank policies and procedures and compliance regulations; and complete all annual required or job-specific training coursework.
   • Promote CSB as a local relationship-building financial institution- with a heavy focus on volunteerism and teamwork.
   • Provide co-workers with positivity and support when searching for solutions.
   • Have a strong desire to undergo training designed to impact financial knowledge and enhance job skills.

Qualification Requirements: To perform this job successfully, an individual must be able to perform each essential duty satisfactorily and be eager to learn new materials in this ever-changing industry.
Education: High school diploma or equivalent GED. Some banking or sales experience is preferred but not required.
Responsibility and Decision-Making: Recognize any suspicious behavior and can make decisions on when to consult higher management on any transactions.
Supervision of Others: N/A
Physical Demands: Ability to lift boxes of coin and work in a fast-paced environment.   
Work Environment: Fast paced.

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