Job Description

POSITION TITLE:

Universal Banker

REPORTS TO:

Retail Manager

CLASSIFICATION:

Non-Exempt

SCOPE

The Universal Banker is part of the bank's retail/consumer department and will report to the Retail Manager. The primary responsibility of this position is to help deepen customer relationships, attract additional customers and provide excellent customer service.

This position is primarily responsible for opening new accounts but will also originating consumer loans. That responsibility includes making for credit decisions (within authority guidelines), overall credit quality, and fee income.

In addition, this position will be responsible for opening new deposit accounts, including checking, savings and certificates of deposit as well as IRA's. This position may be called on to support teller activity during peak times.

ACCOUNTABILITIES

Loan Origination: 25%

Responsible for generating consumer loans with guidelines set by bank policy and growth targets. This will include interviewing the customer and completing the loan application.

Authorize or recommend approval of consumer applications for lines or extensions of lines of credit and consumer loans within authority guidelines.

Responsible for retail product sales. This will include helping to deepen account relationships with existing customers and soliciting prospects to the bank.

Responsibilities will include sales, cross-selling and referring customers and prospects to bank accounts.

New Accounts: 25%

Assist walk-in customers with their new account needs. This will include checking, savings, certificates and the like.

Cross-sell additional retail products. This will include mobile banking, internet, estatements and more.

Retail Deposit Sales & Customer Service: 40%

Assist customers with their account transaction needs. This includes deposits, withdraws, savings, checking, etc.

Assist walk-in customers with their new account needs. This will include checking, savings, certificates and the like. Provide teller services to customers as needed.

Understand the various products the bank offers and is able to explain the value of those products to customers.

Assist walk-in and phone customers with problems or service issues related to their account(s). Assist with quality issues related to deposit accounts, including tracking and communicating issues to staff and their supervisors.

Understand bank operational procedures related to retail delivery. This may include product functionality, account documentation, platform/operational issues, CIP procedures, etc.

Perform paying and receiving functions for customers. This will include taking deposits, withdrawals, and transfers from customers. Additionally, sell gift cards and access cards and help customers with additional related services. Understand and comply with the related laws and compliance regulations that pertain. Examples include bank secrecy act, privacy, and funds availability policy.
Other: 10%

Fulfill compliance requirements as directed by the bank, including those of the Bank Secrecy Act and consumer compliance issues.

As part of the overall team of bank employees, this position may be requested to assist in the support of other bank activities.

COMPETENCIES

Adaptability:

Able to adjust quickly to different work situations and remain composed under pressure and in stressful situations.
Customer Orientation:

Respond sensitively to the needs and priorities of the customer; recognize and take appropriate action to meet their needs and establish an effective working relationship with customers to gain their respect and loyalty.
Oral/Written Communication:

The ability to express thoughts and ideas in a clear and concise manner, both orally and in written form to a variety of audiences and to all levels of staff.

Professionalism:

Project a positive image of the bank to all internal and external customers.
Sales Skills:

The potential to understand and effectively apply selling techniques to open, develop and close a sale; must be able to create interest in a product and actively cross-sell other products and services.

Team Player:

Must view oneself as part of an overall team. This includes supporting others throughout the entire bank to achieve the overall goals of the bank.

Time Management:

Ability to effectively manage one's time to complete work according to established deadlines. The ability to prioritize tasks to make the best use of time for high priority tasks.

Training:

Must understand the link between needed skills and employee competency. From this 'gap' must be able to determine the appropriate training method to best deliver training.

EDUCATION AND PREFERRED REQUIREMENTS

To perform this job successfully, an individual must be able to perform each essential duty satisfactorily. The requirements listed below are representative of the knowledge, skill, and/or ability required. Reasonable accommodations may be made to enable individuals with disabilities to perform the essential functions.

Qualifications:

High school diploma or equivalent required; associate's or bachelor's degree in business, finance, or related field preferred. Previous banking, teller, or customer service experience required; lending experience preferred. Strong communication, problem-solving, and customer relationship skills. Ability to work accurately and efficiently in a fast-paced environment. Proficiency with computers, banking systems, and Microsoft Office applications. Working knowledge of banking products, services, and basic loan processing preferred.

Physical Requirements:

Ability to stand or sit for extended periods. Ability to lift up to 25 pounds occasionally. Regular and predictable attendance required.

Work Environment:

Professional office environment within a community bank branch. May require occasional travel to other branch locations or community events.
Job Type: Full-time

Pay: $20.00 - $25.00 per hour

Expected hours: 40 per week

Benefits:

401(k) Dental insurance Employee discount Health insurance Life insurance Paid time off Professional development assistance Tuition reimbursement Vision insurance
Experience:

Banking: 1 year (Preferred)
Ability to Commute:

Rosemount, MN 55068 (Required)
Work Location: In person