Junior Universal Banker (Trainee)

EverTrust Bank; Alhambra, Northern (CA, KY); Hybrid; USD 28,000 - 29,000; Full time

Job summary

EverTrust Bank in Alhambra, CA is seeking a Junior Universal Banker / Trainee to be the front-line representative handling transactions and account openings. You will identify customer needs and reference appropriate products to strengthen relationships while ensuring accuracy and regulatory compliance, including BSA, CIP, CTR, and OFAC.

The role emphasizes customer service, sales, cross-selling, and learning banking procedures in a structured environment.

Qualifications

• High school diploma or GED required.
• Strong customer service and sales mindset.
• Ability to learn banking procedures and comply with regulations.

Responsibilities

• Process deposits and cash transactions with accuracy.
• Open new accounts and collect required customer information.
• Identify customer needs and refer appropriate products and services.
• Educate customers on online banking and self-service tools.

Skills

Customer Service

Sales

Interpersonal Skills

Time Management

Cash Handling

Bilingual Chinese

Education

GED or High School Diploma

Tools

Microsoft Office

Job description

• Job Type: Full-Time
• Job Schedule: Onsite (No Remote Option)
• Hourly Rate: $20-21.50 per hour (DOE)

POSITION OVERVIEW:

The Junior Universal Banker / Junior Universal Banker - Trainee serves as a front-line representative of the Bank, providing quality customer service and supporting clients' day-to-day banking needs. This role processes transactions, opens accounts, identifies customer needs, and recommends or refers appropriate products and services to strengthen customer relationships while ensuring accuracy and compliance with applicable regulations, including BSA, CTR, OFAC, and CIP.

GENERAL DESCRIPTION OF DUTIES:

• 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 evaluates needs of potential customers and offers appropriate financial products and services resulting in referrals.
• 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 evaluates needs of potential customers and offers appropriate financial products and services resulting in referrals.
• Receives checks and cash for deposit to savings, certificate of deposit and checking accounts, verifies deposit amounts, examines checks for endorsement and negotiability.
• Cashes check and pays money from savings and checking account upon verification of signatures and customer account balances. Inspects all checks,cashier’s check, money orders, savings/certificate of deposit withdrawals, to determine their negotiability.
• Prepares and compiles new customer application and information to open new accounts.
• Provides ongoing relationship servicing with current customers to maintain goodwill and gain additional business.
• Informs and advises customers of status or enhancements to current account productivity, and suggests resolution on account disputes and other account activity.
• Responds to customer inquiries and requests regarding account.
• Uses customer interactions as an opportunity to educate and cross-sell customers on Bank's products and services, including deposit accounts and loans. Exercises sound customer service and sales techniques to identify customers' needs. Fully explains the features and benefits of the Bank's accounts and services making appropriate referrals based on customers' needs.
• Acts 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.
• Supports Bank security and fraud prevention efforts by identifying, investigating (within scope), and promptly escalating suspicious activity, potential fraud, and policy exceptions to appropriate internal teams in accordance with Bank procedures.
• Maintains strict adherence to all Bank policies and procedures as well as Federal and State banking regulations, including but not limited to Bank Secrecy Act (BSA), Anti-Money Laundering (AML) requirements, Customer Identification Program (CIP), Know Your Customer (KYC) standards, OFAC compliance, and Currency Transaction Report (CTR) monitoring and escalation requirements. Ensures accurate identification, documentation, and reporting of suspicious or reportable transactions in accordance with regulatory guidelines and Bank policy.
• Maintains a firm understanding of new products and services.
• Generates new business to assist in meeting establishment profitability goals.
• Answers and routes telephone calls, takes messages, provides information and directs calls to appropriate staff as necessary.
• Manages multiple priorities and holds self-accountable for performance.
• Maintains a professional appearance and exhibits behavior that is in accordance with Bank policy and standards.
• Assist Branch Manager or Customer Service Manager on projects as necessary.
• Receives bank visitors, provides information and directs them to appropriate staff as necessary.
• Perform additional duties as assigned.
• Completes all required compliance training on an annual basis.

QUALIFICATIONS:

• Education: High school diploma or general education degree (GED).
• Experience:
• 1+ year of banking, retail, or customer service experience preferred. We welcome candidates without prior banking experience; however, those candidates may be considered for a Trainee role based on relevant skills and experience
• Cash handling or customer-facing experience is a plus but not required
• Abilities & Skills:
• Developing understanding of basic banking products and branch operations
• Strong interpersonal and customer service potential
• Ability to learn sales techniques and banking procedures in a structured environment
• Basic cash handling ability
• Strong organizational and time management skills
• Proficiency in Microsoft Office (Outlook, Excel, Word) required.
• Language: Working proficiency in Chinese is preferred to support efficient business communication

EQUAL OPPORTUNITY EMPLOYER

EverTrust Bank is an Equal Opportunity Employer. We are committed to providing equal employment opportunities to all applicants and employees without regard to race, color, religion, sex, national origin, age, disability, protected veteran status, or any other characteristic protected by applicable federal, state, or local law.

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