Universal Banker- 207th Street

Apple Bank; Street (MD); Hybrid; USD 30,000 - 45,000; Full time

Job summary

Apple Bank in New York is seeking a Universal Banker to serve as a full-service point of contact for clients. The role blends Customer Service Representative and Teller duties in a hybrid setting, delivering prompt, courteous service and handling monetary and account related transactions.

The UB will open new accounts, educate customers on products, and refer to licensed representatives when needed, building long-term client relationships and supporting branch leadership.

Qualifications

• High School Diploma or GED required.
• 1–2 years retail banking experience in Teller/CSR roles.
• Solid knowledge of banking operations (risk, compliance, fraud, loss).
• Experience in building customer relationships.
• Ability to learn about banking products and services.
• Willingness to cross-train in other branch functions.
• Strong problem-solving and communication skills.
• Confident, professional demeanor with excellent interpersonal skills.
• Excellent verbal and written communication; good phone skills.
• Strong organizational skills and attention to detail.
• Basic proficiency in Word, Excel, PowerPoint.
• Weekend/extended hours or travel to nearby branches may be required.
• Visa sponsorship not available.

Responsibilities

• Provide exceptional customer service in a friendly, professional manner.
• Explain features and benefits of Apple Bank products and services.
• Identify opportunities to grow banking relationships and refer to licensed reps when needed.
• Establish and deepen relationships to meet sales/referral goals.
• Handle teller operations and process transactions per policies.
• Assist in opening/closing vaults, ATM operations, and maintain orderly customer area.
• Communicate disclosures and FDIC protection to customers opening new accounts.
• Maintain accurate new account records and follow up as needed.
• Adhere to regulatory, compliance, security, audit policies, and conduct codes.
• Protect bank assets and ensure CIP/BSA compliance.
• Assist in training new tellers and CSRs.
• Build knowledge through workshops and ongoing education.

Skills

High School Diploma or GED

Retail banking experience

Banking operations knowledge

Customer relationships

Product knowledge

Cross-trained

Problem-solving

Professional demeanor

Interpersonal & communication skills

Organizational skills

MS Office basics

Weekend/extended hours availability

Visa sponsorship not available

Education

High School Diploma or GED

Tools

Microsoft Office

Job description

Job Summary

New York, NY (207th Street) Salary Range: $21.98/hr - $32.97/hr The Universal Banker (UB) acts as a full service, single point of contact for Apple Bank clientele by providing prompt, courteous, and efficient service to new and existing customers through the processing of monetary and account related transactions. The UB position is a hybrid role that requires the incumbent to operate in the dual capacity of Customer Service Representative and Teller, providing branch leadership with the ability to deliver quality customer service at an enhanced level. The Universal Banker also provides sales and service support to the branch by acquiring new clients, offering suitable Bank products/services (that add value to the customer), performing branch/platform related functions and processing account maintenance transactions. The successful candidate will open new accounts, resolve issues, and educate our customers on Bank products/services and may refer them to a licensed representative of ABS Associates of NY, Inc. when appropriate. The UB seeks to build mutually beneficial and long-term relationships based on trust and the offering of suitable solutions that meet the client’s needs, exceeding expectations.

Essential duties & responsibilities

• Provide exceptional customer service by engaging clients in a friendly and professional manner and also resolving service-related issues timely and efficiently.
• Conduct business ethically, thoroughly communicating to current and prospective clients the facts/features of the various products, accounts, and services that Apple Bank has to offer.
• Recognize opportunities to acquire new or additional banking relationships by engaging in discussions with both customers, as well as prospects, to understand their needs and offer suitable products and services that add value; make appropriate referrals to licensed representatives of ABS Associates of NY, Inc.
• Establish, retain, and deepen relationships with existing and potential customers to achieve team sales and referral goals while providing quality customer service.
• Handle all aspects of Teller operations by processing transactions in accordance with established policies and procedures; prove daily transactions within a reasonable timeframe and safeguard assigned cash and negotiable instruments.
• Assist in the opening and closing of vault, safe, and ATM machine and ensure the customer area is kept orderly and properly supplied (deposit and withdrawal tickets, ATM envelopes, changing the rate boards, dates on writing desks, etc.).
• Communicate all disclosures, rules, and regulations covering transactions, as well as FDIC protection to customers upon the opening of new accounts.
• Ensure accurate new account record keeping practices and perform timely follow-up as needed.
• Adhere to regulatory, compliance, security, and audit policies/procedures, as well as our code of conduct and operational controls to ensure the safety and security of the client, as well as Bank assets.
• Protect Bank against loss by ensuring that all new account procedures including CIP and BSA requirements are adhered to.
• Assist in training and mentoring of newly hired Tellers, Customer Service Representatives, and Universal Bankers.
• Build and maintain technical and professional knowledge by attending educational workshops.
• Perform additional duties as requested.

Skills, education, & experience

• High School Diploma or GED required.
• Must have at least 1-2 years retail banking experience in the combined experience of Teller/ Customer Service Representative.
• General understanding of banking operations (Risk, Compliance, Fraud, Loss, etc.) preferred.
• Prior experience in fostering and developing strong customer relationships.
• Ability to develop, as well as maintain a detailed level of knowledge of banking products and services.
• Display willingness to be cross trained in other branch functions.
• Excellent problem-solving skills with the ability to provide solutions to customer issues.
• Must present a confident, professional, and positive demeanor to customers.
• Excellent interpersonal and communication (verbal + written) skills; must have excellent phone skills.
• Strong organizational skills and detailed oriented.
• Basic knowledge of Microsoft Office suite of products (Word, Excel, & PowerPoint).
• Display sound judgment and discretion when utilizing confidential information.
• Weekend work and extended hours or filling in at neighboring branch locations may be required.
• Mandatory training may require occasional travel.
• Visa sponsorship not available.

We are an equal opportunity employer and do not discriminate on the basis of race, color, religion, sex, sexual orientation, gender identity, national origin, disability, military and/or veteran status, or any other Federal or State legally-protected classes. Since 1863, Apple Bank has been a stable banking presence in New York City and its surrounding communities. We seek to put the best interests of our customers first and to manage our company prudently and responsibly. When you join the Apple Bank team, you’ll be working with a group of dedicated and talented professionals focused on delivery of an outstanding customer experience. For more than 160 years, Apple Bank has been invested in our customers and communities, striving always to put their best interests first. Along the way, our employees have been the key to our success. Whether you’re just beginning, continuing or changing your career, Apple Bank offers a range of career opportunities. We’ll support you in developing your potential to the fullest, while you contribute to our growth and success.

Apple Bank's employment policy is to provide equal opportunity to all persons. The Bank prides itself in having a diverse and inclusive workforce. No employee or applicant for employment will be discriminated against because of race, color, citizenship status, religion, sex, sexual orientation, creed, national origin, age, physical or mental disability, veteran status, political affiliation, domestic violence victim status, predisposing genetic characteristic, or any other Federal or State legally-protected classes. Apple Bank will make reasonable accommodations for known physical or mental limitations of otherwise qualified employees and applicants with disabilities unless the accommodation would impose an undue hardship on the operation of our business. If you are interested in applying for an employment opportunity and feel you need a reasonable accommodation pursuant to the ADA, please contact us at [e-mail].

Know Your Rights: https://www.eeoc.gov/sites/default/files/2023-06/22-088_EEOC_KnowYourRights6.12ScreenRdr.pdf

The Pay Transparency Notice: https://dol.ny.gov/system/files/documents/2024/04/p688-pay-transparency-law-for-employee.pdf