Digital Banking Universal Banker

Unity Bank; Scotch Plains (NJ); On-site; USD 28,000 - 37,000; Full time

Job summary

Unity Bank is seeking a Retail Banking Associate in Scotch Plains, NJ who delivers exceptional customer service and identifies client needs to recommend suitable financial solutions. The role covers opening accounts, processing transactions, and cross-selling bank products while maintaining accuracy and compliance.

You will engage customers, demonstrate digital channel proficiency, and participate in branch activities, community involvement, and ongoing training to stay current with products and

Qualifications

• High School Diploma or equivalent with at least 3-5 years of comparable Retail experience.
• College degree preferred, not required.
• Prior cash handling or customer service experience.
• Must be extremely organized and detail
• Must work well in a fast-paced, team environment.
• Excellent communication skills, both written and verbal, are
• Excellent computer skills in a Microsoft Windows environment including proficiency in Word, Excel and Outlook are required.
• Familiarity with bank systems, i.e., CRM, financial apps are strongly preferred.

Responsibilities

• Identifies, develops, and closes sales; applies needs based selling techniques to generate product interest; actively cross-sells products/services.
• Actively engage in meaningful conversation with customers in order to seek a thorough understanding of their complete financial needs. Recommend products and services to support the customer's needs, through in person efforts, referrals to other lines of business, and marketing campaign outreach.
• Serves as digital expert with the ability to demonstrate above average knowledge of all digital channels in an effort to cross sell and expand existing relationships.
• Drives proactive sales and service conversations through inbound and outbound interactions.
• Deepens existing customer relationships through a variety of proactive sales and service initiatives which should be captured in 360 View.
• Actively participates in all branch activities, including but not limited to Huddles, Retail Calls and Sales meetings.
• Meet customers' needs by conducting accurate needs assessments, providing information on products and services, informing customers on how to conduct their banking business, and delivering customer service that meets established quality standards.
• Process customer transactions such as deposits, withdrawals, transfers, wires and payments, accurately and efficiently
• Count, organize, and safeguard cash and other negotiable bank items.
• Assist customers with inquiries and solve problems in a professional and courteous manner.
• Perform daily branch operations such as proving cash draw and branch vault, scanning teller work, and filing paperwork.
• Open new accounts ensuring all required documentation is obtained and is accurate.
• Comply with all established policies and procedures.
• Maintain technical and professional knowledge by attending educational workshops and training, reviewing bank policies and procedures, keeping informed of updates and upgrades to products and services, and staying informed of any legal, policy, and procedural changes relating to retail banking.
• Comply with BSA/KYC policies and procedures to mitigate risk and reduce/eliminate fraudulent transactions
• Completes transactions accurately and ensure the safety of the bank
• Travel required for meetings, community involvement and assistance covering local branches.
• Participate in community and volunteer events that are endorsed by the bank.

Skills

Sales

Cross-selling

Customer service

Digital channels

Cash handling

Communication skills

Education

High School Diploma or equivalent

Tools

CRM

Microsoft Excel

Bank systems

Job description

Unity Bank is seeking a Retail Banking Associate in Scotch Plains, NJ who delivers exceptional customer service and identifies client needs to recommend suitable financial solutions. The role covers opening accounts, processing transactions, and cross-selling bank products while maintaining accuracy and compliance.

You will engage customers, demonstrate digital channel proficiency, and participate in branch activities, community involvement, and ongoing training to stay current with products and