Universal Banker

EverTrust Bank; Alhambra (CA); On-site; USD 28,929 - 31,684; Full time

Job summary

EverTrust Bank is hiring a full-time Universal Banker in Alhambra, CA. This role requires efficiency in customer service, transaction processing, and account management while ensuring regulatory compliance. The ideal candidate will have strong sales skills and a working knowledge of retail banking products.

The position offers a salary of $21.00 - $23.00 per hour based on experience. Applicants are expected to have a high school diploma and ideally some customer service experience. Proficiency in Microsoft Office and, preferably, some proficiency in Chinese are also preferred for effective communication.

Qualifications

• 1+ year of banking, retail, or customer service experience preferred.
• Cash handling or customer-facing experience is a plus but not required.
• Working proficiency in Chinese is preferred.

Responsibilities

• Deliver efficient, in-person customer service.
• Process transactions and open accounts.
• Identify customer needs and recommend products.

Skills

Sales skills

Interpersonal skills

Organizational skills

Time management skills

Cash handling

Microsoft Office proficiency

Education

High School Diploma or GED

Job description

Job Schedule: Full-Time

Base Pay/Salary: $21.00 - $23.00 per hour

ESSENTIAL JOB FUNCTIONS:

POSITION OVERVIEW

EverTrust Bank is seeking a Universal Banker to deliver efficient, in-person customer service and build strong client relationships. This role processes transactions, opens accounts, identifies customer needs, and recommends or refers appropriate products and services, ensuring accuracy and adherence to 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.

• 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.
• Performs other duties as required.
• Completes all required compliance training on an annual basis.

QUALIFICATIONS:

Education:

• HighSchool Diploma or GED required

Experience:

• 1+ year of banking, retail, or customer service experience preferred
• Cash handling or customer-facing experience is a plus but not required

Job Skills & Knowledge:

• Strong sales, interpersonal, organizational, and time management skills
• Working knowledge of retail banking products (checking, savings, CDs, basic loans)
• Ability to independently open and service deposit accounts
• Proficient in identifying customer needs and cross-selling basic products
• Strong accuracy in cash handling and transaction processing
• Proficiency in Microsoft Office (Outlook, Excel, Word) required
• Ability to work in a performance-driven environment with sales goals

Language:

• Working proficiency in Chinese is preferred to support efficient business communication