A “universal banker” is a cross-trained employee capable of performing teller and customer service representative tasks. A “universal banker” is familiar with bank products and services and possesses above average communications, computer, and cash handling accuracy skills in order to service bank customers as a transaction processor, service provider, and financial counselor all in one.
The Personal Banker establishes and maintains a satisfied customer base by providing superior banking services in a professional manner through platform and counter-based transactions following the Universal Banker model. The Personal Banker assesses the financial goals of customers and prospects and recommends appropriate needs-based products and services. The Personal Banker strives to build new and expand existing customer relationships through selling and/or referrals. The Personal Banker may provide coaching to less experienced branch staff.