Jr. Universal Banker and Universal Banker

•              Location: City of Industry, CA and Milpitas, CA
•              Job Schedule: Full-Time
•              Base Annual Salary: $38,500 - $44,000

Position Overview

The Universal Banker is to provide superior customer service, quality, and efficiency to customers who prefer face-to-face interaction with the Bank to expand and strengthen customer relationships. This position will have a thorough understanding of the customer’s transaction requirements and be able to effectively communicate all available options to them. They will cross-sell customers appropriate products and services matching the customers’ needs. This position will also refer customers to the appropriate source or channel to address their needs. They will also be responsible for processing the regular transactions, such as receiving and paying out money, and keeping records of money and negotiable instruments involved in financial transactions in an efficient, friendly and accurate manner. The incumbent will also be tasked to open new accounts such as checking savings and time certificate of deposits.  Following Bank policy and regulations regarding Bank Security Act (BSA), Currency Transaction Reporting (CTR), Office of Foreign Assets Control (OFAC), Customer Identification Program (CIP) and any other impacting front-line customer transactions is required.

Job Descriptions:

With a firm understanding of the bank products/services and the customer’s current relationship, offers information on Bank products and services that can benefit the customer and enhance their banking relationship. Carefully evaluate needs of potential customers and offers appropriate financial products and services resulting in referrals.

• Receive checks and cash for deposit to savings and checking accounts, verify deposit amounts, examine checks for endorsement and negotiability.
• Cash check and pay money from savings and checking accounts upon verification of signatures and customer account balances. Inspect all checks, bonds, money orders, savings withdrawals, to determine their negotiability.
• Prepare and comply with new customer applications and information to open new accounts.
• Provide ongoing relationship service with current customers to maintain goodwill and gain additional business.
• Inform and advise customers of status or enhancements to current account productivity and suggest resolution on account disputes and other account activity.
• Respond to customer inquiries and requests regarding accounts.
• Use customer interactions as an opportunity to educate and cross-sell customers on Bank’s products and services, including deposit accounts and loans. Exercise sound customer service and sales techniques to identify customers’ needs. Fully explain the features and benefits of the Bank’s accounts and services by making appropriate referrals based on customers’ needs.
• Act as an expert and trusted resource for all direct-to-consumer products including online & mobile banking, mobile check deposit, bill pay, funds transfer, online statements, online loan & deposit acquisition, telephone & text message banking, ATMs, and the Bank’s corporate website, among others.
• Maintain a firm understanding of new products and services.
• Generate new business to assist in meeting establishment profitability goals.
• Answer and route telephone calls, take messages, provide information and direct calls to appropriate staff as necessary.
• Manage multiple priorities and hold self-accountable for performance.
• Maintain a professional appearance and exhibit behavior that is in accordance with Bank policy and standards.
• Assist Branch Manager or Customer Service Manager on projects as necessary.
• Receive bank visitors, provide information and direct them to appropriate staff as necessary.
• Perform other duties as required.
• Complete all required compliance training on an annual basis.

Required Skills and Qualifications:

• High school diploma or general education degree (GED)
• One to three years related experience
• Excellent verbal, written and interpersonal communication skills. Must be organized and have computer skills. Possesses strong sales, interpersonal, organizational, and time management skills; previous cash handling and customer contact experience is required; proficiency in Microsoft Office (OUTLOOK, EXCEL, and WORD) is required.
• It is the individual responsibility of every employee to maintain a current awareness and understanding of appropriate banking laws, regulations, internal policies and procedures, and to comply fully with those laws, regulations, policies and procedures. The above statements are intended to describe the general nature and level of work being performed.  They are not intended to be construed, as an exhaustive list of all responsibility, duties and skills required of personnel so classified.

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