Universal Banker

First-Horizon-Bank; Town of Florida (NY); On-site; USD 21,000 - 28,000; Full time

Job summary

First Horizon Bank seeks a customer-focused teller to provide both teller and platform support ensuring quick service. You will identify client needs, open deposit accounts, and cross-sell products to strengthen relationships.

Regular outbound calls and collaboration with banking center staff support daily operations, while adhering to policies, risk controls, and regulatory requirements.

Qualifications

• High school diploma or GED and 1 year of teller experience preferred.
• Basic computer skills including Microsoft Office.
• Ability to perform cash handling and balance transactions.

Responsibilities

• Provide teller and platform support to minimize wait times and deliver quality service.
• Open and process new deposit accounts and respond to client needs.
• Cross-sell products and refer to bank partners to deepen relationships.
• Assist with loan applications and guide processing to the appropriate associates.
• Maintain compliance with regulations, controls, and internal policies.

Skills

Customer service

Sales & service mindset

Cash handling

Education

High school diploma or GED

Tools

Microsoft Office Suite

10-key calculator

coin counter

Job description

ESSENTIAL DUTIES AND RESPONSIBILITIES

Sales and service

• Provide both teller and platform support as needed to keep client wait times to a minimum and to provide quality customer service. Teller support includes performing daily processing of financial transactions, i.e. deposits, handling currency, coin, and cashing checks. Platform support includes opening checking accounts, savings accounts, and provide all other deposit product services.
• Identify client needs through consultative conversations and recommend appropriate products and services to meet those needs.
• Open and process new demand and time deposit accounts including savings accounts, IRAs, certificates of deposit, and money market accounts.
• Cross-sell and make referrals to bank partners to generate new business and deepen existing client relationships.
• Conduct regular outbound calls to clients and prospects, including participating in client/prospect calling activities during special deposit/loan campaigns.
• Assist client with loan application for personal/retail consumer needs and “handing off” the processing of these applications to the appropriate associate.

Client experience

• Research and resolve problems and respond to client inquiries on account status.
• Deliver excellent client experiences consistently and promptly resolve client issues effectively.
• Enhance individual knowledge to better serve clients by attending relevant sales, service, and product knowledge meetings, training classes, and web-based learning.
• Expected compliance with bank regulations, policies, procedures, risk management, internal controls, and the First Horizon code of ethics.
• Assist banking center associates with all aspects of daily operations as needed, including audit controls.
• Assist banking center management with “on the job training” of new associates.
• Stay informed of all operational updates and changes to ensure compliance with all current guidelines.

Compliance and risk management

Operational efficiency

Perform all other job related duties as assigned

SUPERVISORY RESPONSIBILITIES

No supervisory responsibilities

QUALIFICATIONS

To perform this job successfully, an individual must be able to perform each essential duty satisfactorily. The qualifications listed below are representative of the knowledge, skill, and/or ability required and may be substituted with an equivalent combination of education and experience.

• High school diploma or general education degree (GED) and 1 year of experience as a Teller preferred.

COMPUTER AND OFFICE EQUIPMENT SKILLS

Microsoft Office Suite

In addition, 10-key calculator; coin counter

CERTIFICATES, LICENSES, REGISTRATIONS (Ex: CPA, Series 6 or 7 license, etc)

Not necessary

As part of the employment process for this position, you will have to meet the requirements of a background credit check. This position requires compliance with the S.A.F.E Mortgage Licensing Act of 2008 and all related regulations. Ongoing employment is contingent upon meeting all such requirements.

PHYSICAL DEMANDS AND ENVIRONMENT - Amount of Time Spent

PHYSICAL DEMANDS

• Stand
• Walk
• Sit
• Use hands to finger, handle, or feel
• Reach with hands and arms
• Climb or balance
• Stoop, kneel, crouch, or crawl
• Talk or hear
• Taste or smell
• Lifting: Up to 10 pounds
• Lifting: Up to 25 pounds
• Lifting: Up to 50 pounds
• Lifting: Up to 100 pounds
• Lifting: More than 100 pounds

WORK ENVIRONMENT

• Office setting
• Wet or humid conditions (non-weather)
• Work near moving mechanical parts
• Work in high, precarious places
• Fumes or airborne particles
• Toxic or caustic chemicals
• Outdoor weather conditions
• Extreme cold (non-weather)
• Extreme heat (non-weather)
• Risk of electrical shock
• Work with explosives
• Risk of radiation
• Vibration