Universal Banker

Banking Services Representative

Provides personalized banking services to financial institution customers by performing the duties of a Teller and Personal Banker.

Essential Duties and Responsibilities Include the Following. Other duties may be assigned.

Platform: Evaluates needs of potential customers and offers appropriate financial products and services. Prepares and compiles new customer application and information to open new account. Ensures completeness of all account documentation on new account set-up. Provides ongoing relationship servicing with current customers to maintain goodwill and gain additional business. Informs and advises customers of status or enhancements to current account productivity, and suggests resolution on account disputes and other account activity. Responds to customer inquiries and requests regarding account. Coordinates and assists back office personnel in resolving credit problems, delinquent payment issues, and other related affairs. Promotes and cross-sells other establishment products and services as appropriate to customer requirements. Assists in any other activity needed so that the branch meets customer needs efficiently. Generates new business to assist in meeting establishment profitability goals.

Teller: Perform paying and receiving transactions satisfactorily and efficiently. Meet teller balancing standards monthly as stated in the Teller Over & Short Policy. Deliver excellent service to all customers. Perform additional duties within the banking center as needed to help fellow co-workers. Received checks and cash for deposit, verifies amount, and examines checks for endorsements. Cashes checks and pays out money after verification of signatures and customer balances. Enters customers' transactions into the computer to record transactions, and issues computer generated receipts. Places holds on accounts for uncollected funds. Explains, promotes, or sells products or services. Removes deposits from, and counts and balances cash in, automated teller machines and night depository. Complies with all applicable banking regulations, including Bank Secrecy Act. Follows Red River Bank policies and procedures. Attends or completes all required training.

Competencies To perform the job successfully, an individual should demonstrate the following competencies: Demonstrates attention to detail. Delivers excellent customer service. Identifies and resolves problems in a timely manner; gathers and analyzes information skillfully. Strives to continuously build knowledge and skills. Manages difficult or emotional customer situations; Responds promptly to customer needs. Maintain confidentiality. Speaks clearly and persuasively in positive or negative situations. Exhibits sound and accurate judgment; Makes timely decisions. Prioritizes and plans work activities; Uses time efficiently. Demonstrates accuracy and thoroughness. Observes safety and security procedures.

Qualifications 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.

Education and/or Experience High school diploma or general education degree (GED); and a minimum of five years banking experience and/or training; or equivalent combination of educations and experience.

Computer Skills To perform this job successfully, an individual should have excellent computer skills.

Physical Demands The physical demands described here are representative of those that must be met by an employee to successfully perform the essential functions of this job. Reasonable accommodations may be made to enable individuals with disabilities to perform the essential functions.

While performing the duties of this Job, the employee is regularly required to use hands to finger, handle, or feel; reach with hands and arms and talk or hear. The employee is frequently required to stand, walk, sit and stoop, kneel or crouch. The employee must occasionally lift and/or move up to 10 pounds. Specific vision abilities required by this job include close vision.

Work Environment The work environment characteristics described here are representative of those an employee encounters while performing the essential functions of this job. Reasonable accommodations may be made to enable individuals with disabilities to perform the essential functions. The noise level in the work environment is usually moderate.