Universal Banker - FT/Branch: Legacy

Financial Institution Job Opportunity

Established in 1964 in Omaha, Nebraska, our family-owned financial institution's vision is to be the best in class in meeting the evolving financial needs of our customers. Our extensive history and family-owned legacy give us a deep and genuine understanding of how to serve and treat our customers. We offer a holistic financial approach with solutions for personal, business and wealth in three markets: Iowa, Nebraska and Texas.

As a community bank, we value long-term partnerships built on trust and integrity. As an employer, we take pride in building meaningful relationships and celebrating the unique differences that define each team member; it's what makes us a stronger unit. It's one of the many reasons why creating a strong culture of empowerment, support, and opportunity is an ongoing focus.

Required Work Schedule: Monday - Friday from 8:30am - 5:30pm, and every other Saturday morning

Job Summary

This position is responsible for understanding a customer's unique needs to provide product and service recommendations that enhance their financial well-being and foster long-term relationships. In addition, this role includes opening and maintaining customer accounts, providing transaction support, and ensuring document accuracy while adhering to regulatory and compliance policies.

Essential Functions

Customer Service and Account Management (35%)

• Opens, closes and maintains customer deposit and loan accounts accurately. Provides and summarizes applicable disclosures.
• Adheres to Customer Identification Program (CIP) during account opening, maintenance of existing accounts, and loan application.
• Documents customer's financial needs allowing for complete picture of customer's portfolio.
• References and updates existing customer portfolio as needed.
• Educates customers regarding lending options, accurately completes loan application, gathers additional documentation when needed while continually communicating with customers throughout the process.
• Schedules and accurately completes loan closing utilizing the appropriate checklist.
• Educates customers on benefits of online banking suite and assists with enrollment. Troubleshoots log in and navigation issues within the platform.
• Responds to customer requests and resolves inquiries in a timely and professional manner in-person, over the telephone and email.
• Adheres to the bank's customer verification policies and procedures.
• Maintains customer confidentiality and follows Information Security requirements.

• Embraces the Bank's mission, CORE values and cultural foundation by taking personal initiative and setting a positive example for others to emulate.
• Maintains a working knowledge and understanding of fraud notifications and activity.
• Maintains expertise by keeping current with updates to policies and procedures.
• Identifies red flags to help detect potentially fraudulent activities.
• Notarizes customer documents following bank and state requirements.

Customer Transactions (30%)

• Accurately processes transactions to include but not limited to demand deposit accounts, savings accounts, check cashing, cashier's check, credit card payments, and loan payments as branch traffic and schedule demands.
• Utilizes resources and tools to navigate client account portfolio(s) within the Bank software.
• Understands debits and credits as related to transaction balancing.
• Maintains required cash drawer limits and adheres to drawer security procedures.
• Balances cash drawer according to procedures and maintains assigned balancing ratio, provides balancing assistance to CSRs, and reports all offages to Branch Management.
• Adheres to branch security procedures and regulations.
• Reviews all customer accounts for pop-up warnings.
• Identifies potential fraud and suspicious activity and follows processes and procedures to prevent both customer and bank loss.

• Assists branch and fellow team members and shares responsibility for daily tasks.
• Adheres to quality control standards for all account openings and maintenance, promptly resolving any identified errors.

Branch Operations Support (20%)

• Follows the branch opening and closing procedures set by Branch Delivery.
• Assists when needed in ensuring accuracy of advanced operational activities to include sending morning totals, ordering/preparing/selling cash, completing of Log of Logs, etc. in a timely manner.
• Works with Branch Manager to review and perform tasks associated with completion of the branch monthly checklist.
• Provides escalated operational support to the team, including but not limited to opening and closing the branch, de-escalating customer interactions, and promoting engagement of the team.
• Promotes operational accountability to ensure soundness of branch operations, as evidenced by successful branch audit results.
• Performs branch cash audits on a rotating basis and adheres to Surprise Cash Audit Procedures.
• Provides transaction overrides following established processes.
• Signs cashier checks, following Board approval, in accordance with the defined procedures.
• Attends required Universal Banker meetings and communicates relevant procedure and regulation changes affecting branch operations to Branch Management and team.

Customer Relationship Building (10%)

• Maintains a working knowledge and understanding of current marketing campaigns in relation to bank and branch goals.

• Provides ongoing service with customers to build long-term relationships by following up on outstanding product and services enrollments, and documenting needs to assist in deposit and loan growth.
• Identifies opportunities and connects with internal business partners to enhance customer financial portfolio.

Past Due Monitoring (5%)

• Proactively manages overdrawn accounts and delinquent credits.
• Collaborates with Consumer Credit regarding collection decisioning.
• Updates past due status in account monitoring software in a timely and consistent manner and actively participates in weekly Past Due call.

Performs other duties as required and assigned.

Knowledge, Skills and Abilities

• Comprehensive knowledge and understanding of banking products and services.
• Knowledge of banking compliance with federal and state regulations.
• Proficient skills utilizing banking systems, including transaction processing, new accounts/loans and related programs.
• Ability to identify customer needs and recommend appropriate products or services.
• Ability to use bank resources to solve problems.
• Skills in using logic and reasoning to identify the strengths and weaknesses of alternative solutions, conclusions, or approaches to problems.
• Ability to consistently exemplify a positive and professional attitude toward customers (internal and external).
• Skills in deescalating customer situations.
• Effective communication (written and verbal) skills with the ability to communicate bank-related updates to branch team.
• Strong customer service skills.
• Advanced attention to detail and follow-through.
• Ability to obtain Notary Public in applicable state if necessary.
• Ability to maintain the highest level of ethics and integrity, ensuring the confidentiality and security of sensitive information.
• Proficient knowledge of Microsoft Office software (Outlook, Word and Excel).
• Ability to complete the required training by assigned due date.
• Ability to maintain predictable and reliable attendance.

Education*

• Minimum of a High School diploma or equivalent degree is required.

Experience*

• Minimum of 1 year of banking or financial industry relevant experience required.
• Advanced cash handling experience required.

*Equivalent education and experience will be considered

Physical Requirements

While performing the duties of this job, the employee is regularly required to stand; use hands to type, handle cash and office-related objects; reach with hands and arms; and talk and hear. The employee frequently is required to walk. The employee is occasionally required to stoop or kneel. Occasionally required to lift bags of coin weighing up to 52 lbs. with assistance. Specific vision abilities required by this job include close vision, distance vision, color vision, peripheral vision, and depth perception.

Working Conditions

This job operates in a professional office environment. This role routinely uses standard office equipment such as computers, phones, photocopiers, filing cabinets and fax machines. Employees are occasionally required to work outside for brief periods of time in heat