Universal Banker

Position Summary

The Universal Banker position is a hybrid position that encompasses both the Teller and Personal Banker roles. The primary responsibilities include managing and growing an assigned portfolio of retail customers, performing a variety of customer services such as opening new accounts, closing deposit accounts, and answering questions from existing and prospective customers, and accurately and efficiently processing a variety of customer banking transactions. Work is varied in nature with changing priorities. Incumbent applies advanced knowledge of bank products and services to work performed. Works under limited supervision and in compliance with established policies, procedures, and regulations.

Primary Duties and Responsibilities

• Welcomes and interviews customers and prospects to acquire information and define financial needs; recommends and sells retail products and opens appropriate new accounts with supporting documentation. Enters new account information into computer system.
• Travel to various branch locations to provide staffing support.
• Redeems savings bonds and certificates of deposit.
• Provides customer services such as accepting and processing collection items, telephone account and wire transfers, stop payment requests and check orders. Closes accounts, admits customers to safe deposit boxes. Prepares and encodes counter checks and deposit slips.
• Responds to customers requests for signature card updates and revisions and obtains appropriate documentation.
• Responds to customer inquiries regarding account information (e.g., account balance, check clearance, etc.). Prints account history and may assist customer in balancing statement. Researches and resolves problems, initiates and follows-up research requests and may refund fees when appropriate.
• Provides customers with Debit Cards, Internet Banking, locking money bags and product information; participates in business development program through cross-sell efforts to established and prospective consumer, commercial and credit card customers.
• Participate in and ensure the accuracy and completion of the Branch Quarterly Audit.
• Perform teller duties including cash, check and deposit transactions, wire transfers, loan payments, and balancing cash drawers. Assist with Vault Duties as needed/required.
• Balancing cash drawer daily.
• Process cashier's check and debit card requests.
• Adjust debit card limits and process debit card exceptions reports.
• Assist in counting money shipments.
• Process various night-drop and mail transactions as needed.
• Assist with month end teller audits as needed.
• Provides customers with notary services, and other non-bank services. Refers customers with non-retail product needs to appropriate providers throughout the Corporation (e.g., mortgage lending, commercial lending, etc.).
• Maintains relationships with customers by calling assigned accounts.
• Performs administrative support duties (e.g. order supplies, collect, sort and distribute mail, adjust or setup machines, type, file, etc.).
• Reviews overdraft report for assigned customer portfolio and approves overdrafts for amounts up to authorized limit.
• May open or close branch, main vault or night deposit vault for the day.
• Performs duties in compliance with applicable laws and regulations.
• Maintains the security and confidentiality of pertinent information and records.
• Maintains current and up-to-date knowledge and continues professional development through training as applicable.
• Demonstrates a courteous, pleasant, self-motivated, and dependable behavior. Maintaining a professional environment in both appearance and conduct.
• Understands and agrees to abide by the policies and procedures established by Susser Bank.
• Performs additional duties as assigned or directed.

Education and Experience Required

• High school or equivalent degree required.
• 2 years New Account experience preferred with knowledge of all Teller Services.
• Previous cash handling experience.
• Jack Henry experience preferred but not required.

Skills and Abilities Required

• In-depth knowledge of banking concepts and regulations
• Moderate accounting skills necessary to perform balancing, reconciliation, reporting and financial analysis functions.
• In-depth knowledge of all bank products and services, policies, and procedures including sales incentive program, regulatory and Audit requirements.
• Demonstrated ability to explain all bank products and services in order to sell and cross-sell bank products and services and respond to customer inquiries.
• Advanced written, oral, interpersonal, and negotiating skills with ability to recognize and respond to sales opportunities and deliver persuasive sales presentations.
• Cooperation / Teamwork and patience in dealing with customers.