What are the responsibilities and job description for the Universal Banker position at Mountain Valley Bank?
Job Title: Universal Banker
Company Overview:
Mountain Valley Bank is a community-driven financial institution committed to providing exceptional banking services to our customers. We are currently seeking a dynamic and customer-focused individual to join our team as a Universal Banker.
Job Summary:
The Universal Banker is a versatile and cross-trained professional responsible for providing a wide range of banking services to customers. This position involves potentially handling teller, account service, and limited consumer lending responsibilities creating a seamless and efficient banking experience for our clients.
Responsibilities:
Customer Service:
- Customer Engagement: Greet customers warmly, identify their needs, and provide personalized assistance.
- Product Knowledge: Demonstrate a comprehensive understanding of the bank's products and services, effectively cross-selling to meet customer needs.
- Problem Resolution: Address customer inquiries, concerns, and issues promptly, ensuring a positive customer experience.
- Relationship Building: Build and maintain strong customer relationships through proactive engagement and excellent service.
Teller Services:
- Cash Handling: Process customer transactions, including deposits, withdrawals, and check cashing, with accuracy and efficiency.
- Currency Management: Maintain accurate cash levels, order currency, and perform regular cash counts.
- Transaction Verification: Ensure the accuracy of transactions and adherence to banking policies and procedures.
Product Sales:
- Cross-Selling: Identify opportunities to cross-sell bank products and services to meet customers’ financial needs.
- Promotions: Actively promote special offers, promotions, and new products to customers.
Account Management:
- Account Opening/Closing: Assist customers with opening and closing accounts, providing guidance on various account options.
- Documentation: Ensure proper completion of account-related paperwork and documentation.
Digital Banking Support:
- Education: Provide guidance to customers on using digital banking services, including online and mobile banking.
- Troubleshooting: Assist customers with basic troubleshooting of digital banking platforms.
Consumer Loan Origination:
- Customer Interaction: Interact with customers to understand their financial needs and assist in the loan application process.
- Application Review: Evaluate consumer loan applications, ensuring completeness and accuracy.
- Credit Analysis: Perform basic credit analysis to determine the creditworthiness of applicants.
- Documentation: Collect and review required documentation for loan applications.
Qualifications:
- High school diploma or equivalent; additional education in finance or a related field is a plus.
- Previous experience in banking or customer service is preferred.
- Strong customer service and interpersonal skills.
- Ability to handle cash transactions with accuracy.
- Excellent communication and problem-solving abilities.
- Knowledge of banking products, services, and regulatory requirements.
- Familiarity with digital banking platforms.
Notice Regarding Salary Range
The salary range posted for this position reflects the full salary range for the role. The actual salary offered will be determined based on the candidate's experience, qualifications, and demonstrated expertise relevant to the position. Candidates with varying levels of experience within the role are encouraged to apply.
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