Universal Banker

Universal Banker I This position is the Customer Ambassador for the bank with the overall purpose of providing quality and efficiency to customers who prefer face-to-face interaction with the bank. This position will have a thorough understanding of the customer’s transaction requirements and be able to effectively communicate all available options to them. They will educate customers about 22nd State Bank’s sales and service delivery options and refer the appropriate products and services matching the customer needs. Responsibilities Evaluates needs of potential customers and offers appropriate financial products and services by listening for cues regarding lifestyle or by reviewing customer account status. Makes these product and service recommendations in order to solidify the relationship with the customer. Prepares and compiles new customer application and opens new accounts to assist customers with their needs. Ensures that all federal regulations are complied with. Provides the customer with a copy of disclosures. Prepares and compiles customer application and information for loans. Calculates debt to income ratios, loan to value (for secured loans), and payment amounts. Communicates this information with the customer to ensure the payment amount is within the customer’s budget. Ensures all bank loan disclosures and other mandatory loan regulation information is communicated and delivered to the customer. 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. Promotes and cross-sells other establishment products and services as appropriate to customer requirements. Generates new business to assist in meeting establishment profitability goals. Receives checks and cash for deposit to savings and checking accounts, verifies deposit amounts, examines checks for endorsement and negotiability, and enters savings transactions into bank records via an on-line terminal. Prepares required regulatory reports and forms based on compliance thresholds. Required Skills/Abilities Ability to read and interpret documents such as safety rules, operating and maintenance instructions, compliance and procedure manuals. Ability to write routine reports and correspondence. Ability to speak effectively before groups of customers or employees of organization. Ability to calculate figures and amounts such as discounts, interest, commissions, proportions, and percentages. Ability to apply concepts of basic algebra and geometry. Ability to solve practical problems and deal with a variety of variables in situations where only limited standardization exists. Position Requirements/Performance Factors Sales: Individual has a good understanding of the Bank’s products and services. Effectively matches customer’s need by referring and/or selling products and services to enhance the customers’ relationship consistent with the 22nd State Bank’s Sales Culture. Communication Skills: Individual demonstrates a positive and helpful attitude toward customers (internal and external), understands their importance to 22nd State Bank and understands how his/her job affects customers; establishes and maintains good relationships through interactions or work completed; projects a positive and professional image of 22nd State Bank; Provides "FIT" customer service: “Follow through with everything, Initiate ownership of every customer issue and every needed task, and have a Terrific time doing what you do.” Job Knowledge: Individual possesses and demonstrates the technical ability to perform required duties, is practical in applying knowledge to assignments, and maintains expertise by keeping current with new developments and procedures. Problem Solving: The ability to define and offer solutions to resolve problems. Uses knowledge of the organization to identify helpful resources. Attention to Detail: The level at which tasks are performed carefully, accurately, and in accordance with specific instructions. Consistency of work quality and compliance with standards, requirements, and expectations. The tracking of numerical data and detailed organizational information, and the careful application of grammar, spelling, and punctuation rules. Ethics: The level of trustworthiness, character, professionalism, confidentiality, and honesty in dealing with internal or external customers. Qualifications: Cash handling and customer service experience. 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. Education and Experience High school diploma or general education degree (GED); related experience and/or training; or equivalent combination of education and experience. Physical Requirements Prolonged periods of sitting at a desk and working on a computer. Must be able to lift up to 15 pounds at a time. Each 22nd State Bank employee must comply with all federal and state regulations, policies, and procedures. This is to include all applicable governmental laws, rules and regulations relevant to their job including all Bank Secrecy Act regulations. #J-18808-Ljbffr