Universal Banker- Lakewood

Apple Bank; Lakewood Township (NJ); Hybrid; USD 30,000 - 45,000; Full time

Job summary

Apple Bank in Lakewood, NJ is seeking a Universal Banker (UB) to serve as a hybrid Customer Service Representative and Teller. The UB opens accounts, educates customers on products, and refers to licensed representatives as needed.

The role emphasizes building long-term client relationships, handling teller duties, and delivering high-quality service. Candidates should have 1–2 years of retail banking experience and strong communication skills. This position offers a hybrid work model.

Qualifications

• High School Diploma or GED required.
• 1–2 years retail banking experience in Teller/Customer Service.
• General understanding of banking operations (Risk, Compliance, Fraud, Loss).
• Experience in fostering and developing strong customer relationships.
• Ability to know banking products and services.

Responsibilities

• Provide exceptional customer service in a friendly, professional manner.
• Explain features of banking products, accounts and services to clients.
• Identify opportunities to acquire new banking relationships and referrals.
• Build and deepen relationships to reach team sales goals and referrals.
• Handle Teller operations and verify transactions per policy.
• Assist with vault/ATM responsibilities and maintain a neat customer area.
• Explain disclosures and FDIC protections to customers at account opening.
• Maintain accurate new account records and follow up as needed.
• Follow regulatory, compliance, security, and audit procedures.
• Protect the bank by complying with CIP and BSA requirements.
• Train and mentor new Tellers and Customer Service Representatives.
• Attend workshops to build knowledge and skills.

Skills

Customer service

Interpersonal communication

Sales

Problem solving

Attention to detail

Education

High School Diploma or GED

Job description

Lakewood, NJ
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.