PSB Bank

Banker

• The Universal Banker has both new account representative and customer service representative duties.
• This banker is responsible for providing courteous assistance to new and established customers in their selection of various accounts and financial services, cross-selling products and services when appropriate; and processing all new account transactions as well as offering superior customer service by processing transactions as a bank teller.
• Ensures that proper customer identification information has been collected prior to opening a new account.
• Examines checks deposited to determine proper funds availability based on regulations and place holds as necessary.
• Accepts and accurately processes requests for name and address changes, unauthorized ACH, debit card disputes, stop payment orders, wire transfers, check orders and other similar services.
• Performs check back review of all new account information that has been entered on the system or on the Internet Banking system.

Universal Banker

Customer Support

• Receives checks and cash for deposits to accounts; verifies amounts, examines checks for proper endorsement, and currency for genuine characteristics.
• Examines checks deposited to determine proper funds availability based on regulations and places hold as necessary.
• Enters deposits into computer records, and issues customer receipts.
• Receives payments for consumer, mortgage and other loans ensuring payments match balances due.
• Enters payments into computer and generates customer receipts.
• Performs advances for line of credit loans and ensures the availability of funds/undisbursed amounts.
• Cashes checks and processes withdrawals; pays out money after verification of signatures, endorsements and customer balances.
• Receives and processes loan payments and deposits to accounts received by mail.
• Records and process night depository contents under dual control and records proper information on financial institution’s forms.
• Issues cashier’s checks, processes cash advances, and redeems U.S. Savings Bonds in accordance with the financial institutions policies and procedures.
• Buys and sells currency from the vault as necessary, ensuring that teller drawer cash limits are not exceeded.
• Ensures that ATMs are balanced weekly.
• Answers basic customer inquiries regarding interest rates, service charges, account histories etc. while complying with disclosure requirements and consumer privacy policies.
• Accepts and accurately processes requests for name and address changes, unauthorized ACH, debit card disputes, stop payment orders, wire transfers, check reorders, and other similar special services.
• Counts and packages coin and currency.
• Promotes and explains other financial institution services/products such as loans, IRAs, certificates of deposit, safe deposit boxes, debit cards, credit cards, mobile banking, online banking/bill pay, remote deposit capture, cash management etc.
• Greets and admits authorized customers to the safe deposit vault area. Checks after the customer visits the safe deposit box area to ensure nothing is left behind.
• Promotes Bank programs.
• Encourages customers to switch from mailed statements to electronic statements.
• Verifies customer information to ensure customer records are up-to-date such as customer email address, telephone number etc.
• Performs branch capture duties and ensures that all branch work is in balance.
• Balances teller cash drawer at the end of the shift and compares totaled amounts to computer generated proof sheet. Reports any discrepancies to the supervisor/branch manager.
• Ensures that the teller station and drive-in area are properly stocked with forms, supplies, etc.
• Reports malfunctions of teller terminals, drive-in and other equipment used at the teller station to management.
• Performs teller system overrides according to assigned system level if designated by the Supervisor/Branch Manager.
• Performs daily balancing of teller proof reports to the general ledger statement of condition if designated by the Supervisor/Branch Manager.
• Balances the vault on a daily basis and maintains cash limits set by the Board of Directors and as stated in insurance policy contracts if designated by the Supervisor/Branch Manager.
• Verifies money received or sent for deposit in the financial institutions vault at designated times and records the transaction appropriately if designated by the Supervisor/Branch Manager.
• Performs teller management assessments on a monthly basis if designated by the Supervisor/Branch Manager.
• Prints and processes in-house check orders using the Premier Check Printing System if assigned to the branch location designated to print checks.

Universal Banker

Customer Service Representative, Part Time