Full Time Afternoon and Evening Shift Banker

Merchants Bank, Winona is seeking a motivated and customer-focused Universal Banker to join our team. This full-time position (40 hours/week) offers a varied schedule to cover branch hours, Monday-Friday, with a Saturday morning rotation.

As a Universal Banker, you will play a vital role in delivering exceptional customer service while offering a full range of banking products and services. You’ll assist customers with everyday financial transactions, respond to account inquiries, open new deposit accounts, and provide personalized product recommendations—all in an efficient, friendly, and professional manner.

Must have strong communication skills, comfortable with extensive customer contact, have sales experience, previous cash handling skills, and a strong ability to multi-task and prioritize. Banking experience is a plus.

Merchants Bank offers competitive wages and benefits for our full-time employees including health, dental, life, disability and vision insurance; flexible spending accounts, 401(k) and ESOP retirement plans; bonus plan; tuition reimbursement; Please click on Apply Now or apply in person at Merchants Bank. Merchants Bank is an Equal Opportunity Employer of women, minorities, protected veterans and individuals with disabilities .

As a Universal Banker, you will be responsible for providing exceptional customer service and proactively offering a range of banking products and services to meet the financial needs of our customers. You will serve as a primary point of contact for customers, assisting them with various banking and financial transactions, account inquiries, opening new account relationships and safe deposit boxes, and making product recommendations in an efficient and friendly manner. The Universal Banker will play a crucial role in building customer relationships. You will also play an important role in fraud prevention.

Open & maintenance basic checking and savings deposit accounts

Process banking transactions in the Teller area

Open, close and maintain safe deposit boxes

Serve as a Vault Attendant if needed in the Branch

Relevant customer service experience; banking experience a plus

High school diploma or equivalent

Exceptional Customer Service:

Ensure that internal and external customers receive outstanding service from every employee (and speak up when they do not).

Be efficient and accurate when processing customer transactions, as outlined in current policies and procedures

Provide excellent customer service by greeting customers, seeking to understand their needs, and offering them personalized solutions.

Provide high-quality consultative conversations to uncover needs and opportunities.

Resolve customer issues and concerns promptly and effectively; Be proficient and happily able to assist customers on the systems including internet banking products, bill pay, e statements, mobile banking, telephone banking and anything else the customer may need assistance with.

Relationship Building:

Build strong relationships with customers to understand their financial goals and identify opportunities to meet their needs.

Foster long-term customer loyalty through ongoing relationship management and exceptional service.

Build strong internal relationships with immediate coworkers as well as Merchants Bank employees in all shared services areas.

Meet or exceed individual sales targets for banking products (such as deposit accounts, loans and credit cards).

Respond to all customers inquires and forward any appropriate requests to other departments.

Promote bank products by answering inquires; inform customers of new services and product promotions.

Attend external customer meetings as requested.

Maintain in-depth knowledge of the bank's products, services, and promotions.

Educate customers on the features, benefits, and terms of various banking products to help them make informed decisions.

Stay updated on industry trends, regulatory changes, and competitive offerings to provide accurate and up-to-date information to customers.

Compliance and Risk Management:

Complete all required compliance training and certifications on time to maintain a comprehensive understanding of compliance requirements.

Process transactions efficiently and accurately, ensuring compliance with internal policies, procedures, controls, and banking regulations.

Follow all bank policies, procedures, and regulatory guidelines to ensure compliance and mitigate risk.

Adhere to security and fraud prevention measures to safeguard customer information and bank assets.

Disseminate information regarding legal and fraud issues, to protect customers and retailers against fraud.

Operations:

Perform various administrative and operational tasks when opening and closing accounts, account maintenance and changes, and documentation. Follow maintenance and closed account procedures for all types of deposit accounts.

Update central file information when working with account portfolios & compliance regulated forms.

Accurately submit customer workflow/task requests as required in the appropriate systems.

Review the daily overdraft report to proactively catch your customers before they default.

Comply with any and all audit regulations concerning the security of your work area and branch location.

When working in the Teller area, process financial transactions including receiving deposits and loan payments, cashing checks, issuing withdrawals, recording night deposits, selling cashier's checks and money orders as well as answering customer questions. Maintain a balanced cash drawer and maintain an accurate supply of cash and coin.

Organize time to complete duties without sacrificing service to customers.

Performs all other duties, as assigned, to increase performance of Merchants.

This position will report directly to Universal Banking Manager or Retail Banking Manager (depending on market) with performance and direction engagement from the Market President.

Collaborate with other team members to ensure branch operations run smoothly and efficiently.

Respond to supervisory guidance and direction, ask good questions, listen and do the appropriate detective work to either help yourself or our customers.

Active and willing to work at trade shows, promotional events, and marketing activities during work ours and on evenings and weekends as requested.

Participate in community activities to actively promote the bank.

Avoid personal phone calls, text messages, and non-business related emails (internal and external), and internet usage (unless in an urgent situation).

No environmental hazards or chemicals. This position requires extensive work on a computer system.

Banking experience is a plus

Strong customer service skills and experience.

Flexibility to work varied shifts and hours (including Saturdays).

Demonstrated success handling difficult customer situations.

Demonstrated ability to stop, pause and speak up when concerned about a coworker’s or customer’s behavior.

Ability to use intuition and common sense to carry out instructions, understand procedures, speak professionally and clearly to customers and employees as well as to escalate to supervisor when needed.

Cash handling experience desired

Strong computer system proficiency.

Ability to learn and follow established regulatory and compliance guidelines, policies and procedures.

A genuine desire to have engaging conversations with customers to identify and solve customer needs, as well as to offer additional appropriate products and service solutions