Universal Banker

Universal Banker

Provide exemplary customer service to our clients. Responsible for building relationships by recommending appropriate deposit, loan, and other banking products. When needed, will also process customer transactions to provide excellent customer service.

Reports To: Assistant Branch Manager, Branch Manager

Essential Duties and Responsibilities

• Provide excellent customer service and effectively resolve customer challenges.
• Understand and educate customers on consumer deposit and lending products.
• Drive sales with a disciplined sales process and use current banking technology to drive both sales and service.
• Obtain referrals from customers, other bank colleagues and partners while educating and referring customers to other areas of the bank to deepen relationships and build a strong partnership.
• Adhere to all operational, security, risk and regulatory policies and procedures.
• Demonstrate good judgement in sales, customer service, relationship management, banking, investments, consumer lending, business banking, business lending, communication and presentation.
• Process customer day-to-day transactions as needed.
• Opens new personal and business accounts in accordance with bank policies and regulatory requirements.
• Additional responsibilities as assigned.
• Be familiar with and comply with the provisions of the Bank Secrecy Act and USA PATRIOT Act as they relate to the functions of this position. Complete all required reports related to those acts and reports any observed violations or potential violations of those acts to a supervisor or other appropriate bank officer.
• Be familiar with and comply with all federal and state banking regulations as applicable.

Competencies

• Communication Effective written and oral communication skills required, with the ability to interface with internal and external stakeholders and community partners. Has group presentation skills.
• Analytical Synthesize complex and diverse information; collect and research data; use intuition and experience to complement data.
• Technical Skills Assess strengths and weaknesses; pursue training and development opportunities; strive to continuously build knowledge and skills; share expertise with others.
• Quality Demonstrates accuracy and thoroughness; monitors own work and the work of others to ensure quality.
• Quantity Meet productivity standards; complete work in a timely manner; strive to increase productivity; works quickly and accurately.
• Dependability Follows schedule consistently in a timely manner; limits absenteeism; ensures work responsibilities are covered when absent; arrives at meetings and appointments on time. Follows instructions; responds to management direction; takes responsibility for own actions; keeps commitments; completes tasks on time or notifies appropriate person with an alternate plan.
• Flexibility able to provide flexibility and adapt to changing schedules and/or work environments.
• Initiative Undertakes self-development activities; takes independent actions and calculated risks; looks for and takes advantage of opportunities; asks for and offers help when needed.

Physical Demands and Work Environment

Ability to work in an office environment which may include many hours of computer and telephone usage. This position is not remote-eligible.

Reasonable accommodations may be made to enable individuals with disabilities to perform the essential functions.

This position description is not to be construed as an exhaustive statement of duties, responsibilities, or requirements. Employees may be required to perform any other job-related instructions as requested by their supervisor, subject to reasonable accommodations.

Requirements

Qualifications

• High School Diploma or equivalent
• Minimum of six (6) months cash handling experience preferred
• One (1) year of customer service in banking, financial services or goal-drive retail sales preferred
• Successful completion of ChoiceOne's Retail Advancement Program (RAP)

Licenses & Designations NMLS