Universal Banker

Job Title: Universal Banker

Reports To: Branch Manager

Summary: 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. This position will also refer customers to the appropriate source or channel to address their need. They will also be responsible for the processing of regular transactions, such as receiving and paying out money, and keeping records of money and negotiable instruments involved in financial transactions in an efficient, friendly and accurate manner. Provides personalized banking services to financial institution customers by performing the following duties.

Essential Duties and Responsibilities include the following. Other duties may be assigned.

With a good understanding of the bank products/services and the customer’s current relationship, offers information on bank products and services that can benefit the customer and enhance their banking relationship. (Listens to the customer’s needs and matches those needs to the bank’s products and services resulting in referrals.)

• 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.

Supervisory Responsibilities:

This job has no supervisory responsibilities.

Position Requirements/Performance Factors:

To perform the job successfully, an individual should demonstrate the following competencies:

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.”
• Individual writes clearly and concisely with little need for editing (includes spelling and grammar). Oral - Expresses self in speech as to be clearly and completely understood; adheres to 22nd State Bank’s Telephone Standards; supports a favorable environment for open communication; addresses concerns or problems in an open non-defensive manner; conveys self-confidence and knowledge of subject in speaking to customers. Listens - Is attentive and transmits correct information to appropriate people; accepts constructive feedback.

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:

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/Experience: High school diploma or general education degree (GED); and one to two years related experience and/or training; or equivalent combination of education and experience.

• Language Skills: Ability to read and interpret documents such as safety rules, operating and maintenance instructions, and procedure manuals. Ability to write routine reports and correspondence. Ability to speak effectively before groups of customers or employees of organization.

• Math Skills: Ability to calculate figures and amounts such as discounts, interest, commissions, proportions, percentages, area, circumference, and volume. Ability to apply concepts of basic algebra and geometry.

• Reasoning Skills: Ability to apply common sense understanding to carry out instructions furnished in written, oral, or diagram form. Ability to deal with problems involving several concrete variables in standardized situations.

• Computer Skills: To perform this job successfully, an individual should have proficient knowledge of Windows and Microsoft Office software (Outlook, Word, and Excel) and advanced keyboarding and ten-key skills.

• Certificates and Licenses: No certifications needed

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 sit. The employee is occasionally required to stand and walk. The employee must occasionally lift and/or move up to 50 pounds.

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.

Work Hours

Usual work hours are Monday – Friday, 8:00 a.m. to 5:00 p.m., with one hour off for lunch. Overtime work may be required from time to 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.

Job Type: Full-time

Pay: $12.00 - $14.00 per hour

Expected hours: 40 per week

Benefits:

• 401(k)
• Dental insurance
• Health insurance
• Paid time off
• Vision insurance

Schedule:

• 8 hour shift
• Monday to Friday

Work Location: In person

Salary : $12 - $14