UNIVERSAL BANKER

Harford Bank; Bel Air (MD); On-site; USD 60,000 - 80,000; Full time

Job summary

A leading bank in Maryland is seeking a dedicated Universal Banker to provide a wide range of financial services while ensuring an exceptional customer experience. Responsible for account management, customer interaction, and branch operations, this full-time role emphasizes community support and collaboration. The ideal candidate will possess strong banking knowledge and customer service skills, contributing to the bank's commitment to excellence.

Qualifications

• Minimum 1 year in retail banking required, preferably 2+ years.
• Proficiency in banking software and systems needed.
• Must obtain notary certification within 6 months.

Responsibilities

• Responsible for customer account management and transactions.
• Assists with loan applications and processing.
• Provides guidance on banking products and services.

Skills

Customer service

Communication skills

Detail-oriented

Organizational skills

Relationship building

Multitasking

Education

High school diploma or equivalent

Tools

Banking software

Job description

Job Details

Job Location: Bel Air Office - Bel Air, MD

Position Type: Full Time

Salary Range: $18.00 - $25.00 Hourly

Job Category: Banking

Description

Are you looking for a rewarding career? Look no further than Harford Bank, where we are committed to your growth and success. We believe in investing in our people by providing a supportive and inclusive environment that fosters collaboration, community pride, and personal development. We are made up of passionate individuals who are dedicated to delivering exceptional customer service and driving positive change in the areas we serve. “Community is our Strength” is more than just our tagline, it’s how we operate.

Summary:

The Universal Banker (UB) provides a range of financial services and support, including customer service, sales and teller processing. This role involves assisting retail and business customers in multiple capacities. The UB is responsible for providing an exceptional customer experience by handling every client need from teller transactions to sales and service. Utilizing an advice-driven conversational approach, the Universal Banker will provide solutions based on client needs. Time spent in various aspects of this role will vary depending upon branch traffic and needs of the branch.

At Harford Bank, we pride ourselves on following "The Harford Bank Way" a set of core values that shape our approach to banking and our commitment to our customers, the community, and ethical practices. These values define who we are and how we conduct business. You will lead by example and drive our culture to be infused in every activity with every team member.

Responsibilities:

• Responsible for embracing and supporting Harford Bank’s Core Values and Vision.
• May lead branch operations in absence of Assistant Manager or Branch Manager, including but not limited to, opening, and closing of the branch.
• Provides guidance on account features, benefits, and how to maximize customer’s financial well-being.
• Opens customer accounts and provides account maintenance.
• Maintains security of customer information and adheres to the Privacy Policy.
• Accepts and submits consumer loan applications to the loan department, collaborating closely with the team to ensure the loan is efficiently processed.
• Support the loan closing process as needed.
• Performs notaries.
• Assists customers with digital banking services, such as mobile banking and online banking.
• Performs banking transactions, such as deposits, cash handling, unique loan payments and other higher value financial needs.
• Performs end-of-day balancing and reconciles discrepancies as needed.
• Assists with Branch Audits including the monthly branch audit and cash audits.
• Participates in the dual control process of the weekly ATM settlement and reconciles ATM differences.
• Assists with branch training.
• Collaborates with other team members and departments to resolve customer escalations, ensuring a positive customer experience.
• Participates in team meetings and contributes to the overall goals of the branch.
• Reviews daily reports, maintains accurate records, and handles paperwork related to banking transactions and customer accounts.
• In the absence of a Lead Teller at the branch, the Universal Banker will assume the responsibilities of the Lead Teller:
  • May balance the vault and ensure accurate cash handling.
  • May manage the day vault (in certain locations that utilize).
  • Monitor cash levels within established guidelines for vault and teller cash drawers, including processing and ordering shipment.
  • Perform end-of-day balancing and reconcile discrepancies as needed.
  • Assists tellers during off-line periods to forward transactions and correct rejected entries.
  • Operates within established check cashing authority limits.
• Tracks calling activities in CRM system.
• Completes assigned training in a timely manner and demonstrates ability to apply training to their duties and responsibilities
• Follows all branch security procedures. Adheres specifically to all corporate policies and procedures. Also adheres to Federal and State regulations and laws, including, the Bank Secrecy Act, Anti-Money Laundering Act, and the Truth in Lending Act.
• May be subject to temporary transfer to other branches.
• May perform other duties as assigned.

Qualifications

• High school diploma or equivalent.
• Minimum of 1 year of retail banking experience required. 2+ years of retail banking experience is strongly preferred.
• Minimum 1 year in face-to-face customer service experience.
• Successful completion of assigned Universal Banker Certificate modules.
• Strong customer service and communication skills.
• Knowledge of banking products and services.
• Ability to develop and expand customer relationships.
• High level of accuracy and attention todetail.
• Can maintain a high level of confidentiality.
• Must be able to understand and follow regulationswhile delivering a superior customer experience.
• Detail-oriented with strong organizational skills and ability to multitask.
• Proficiency in banking software and transaction processing systems.
• Knowledge of banking regulations and compliance requirements.
• Obtain notary within 6 months of entering position.