Universal Banker- Hanover Square

Apple Bank; New York (NY); Hybrid; USD 30,000 - 45,000; Full time

Job summary

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

The UB will open new accounts, resolve issues, educate customers on products, and refer qualified leads to licensed representatives as needed.

Qualifications

• High School Diploma or GED required.
• Minimum 1–2 years of retail banking experience ( Teller/Customer Service).
• Good knowledge of banking operations (risk, compliance, fraud, loss).
• Able to build strong customer relationships and cross-sell suitable products.

Responsibilities

• Provide exceptional customer service by engaging clients professionally and resolving issues promptly.
• Explain banking products, accounts and services to customers.
• Identify opportunities to deepen relationships and refer to licensed representatives as needed.
• Open and maintain new accounts and ensure accurate records and compliance.
• Assist in Teller operations and process transactions per policy and procedures.
• Maintain branch organization, backups, and drive customer satisfaction.

Skills

Customer service

Communication skills

Problem solving

Relationship building

Cross selling

Attention to detail

Microsoft Office

Education

High School Diploma or GED

Tools

Microsoft Office Suite

Job description

New York, NY (Hanover Square)

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.