What are the responsibilities and job description for the Universal Banker I position at First State Bank and Trust?
Job Type
Full-time
Description
First State Bank and Trust seeks motivated individuals to help our clients and community achieve more. It's a formula that has worked for over 100 years serving the St Croix Valley community. As guides, we work alongside our clients every step of the way, helping them achieve more because we believe achievement is more than a transaction; it's a journey.
And this is the same philosophy that extends to our team. By building a culture of care and commitment, we do more to help our employees achieve more. Focusing on development and career growth, we look to guide our employees on their career journey by providing resources to build and strengthen skills and actively give back and support our community through volunteer outreach and engagement.
We look forward to welcoming you to our team, so we achieve more, together.
Join the First State Bank and Trust team!
JOB DESCRIPTION
This position helps business, nonprofit, and consumer clients with their banking transactions and with the management of their financial resources by addressing questions, solving problems, identifying their needs, recommending the appropriate products and services based on those needs, selling the designated bank products the clients desire; or referring them to the appropriate individuals / departments who can fulfill their needs, as appropriate.
There is heavy contact via phone, in person, and through correspondence to develop and grow the organization's business, address clients' needs and questions, and process work. This position needs to be versatile and well versed in performing Vault Teller, Teller, new account opening and maintenance duties, and adept in client product fulfillment, referrals, and customer service.
Performance Standards / Competencies :
- Become a product expert on all deposit products, eBanking products, ancillary / convenience products, overdraft protection, etc.
- On a day-to-day basis, we educate our clients on products and services that may improve their financial health based on their life stage, their goals, etc.
- Inform clients about product promotions, new products, services, etc.
- Generate business and respond to all leads as quickly as possible professionally, via phone, or personally to grow new business.
- Participate in the organization's educational, product fulfillment, and referral initiatives.
- Perform any new account and product opening processes and procedures expeditiously and accurately.
- Help clients complete loan applications and maintain compliance with consumer loan rules and regulations.
- Accurately oversee and / or perform balancing of the ATM, cash drawers, gift cards, and "end of day" transactions (cash advances, coin machine, teller drawer, vault duties).
- Research and locate differences.
- Accurately make correcting entries on a timely basis.
- Communicate corrections / changes to the appropriate person / department.
- Work with the audit team when conducting audits.
- Handle all ordering and shipment from Thillens.
- Handle all teller cash requests and oversee the filling of change orders.
- Service clients quickly and ensure fluidity within the branch.
- Accept and process commercial, consumer, and nonprofit clients' checking and savings deposits.
- Cash checks and handle savings withdrawals.
- Accept mortgage, installment, commercial loan, overdraft protection payments, and line of credit payments and advances.
- Have a basic understanding and knowledge of all the key financial products and services and the business lines that offer them.
- Listen for opportunities to refer and deepen new and existing client relationships with products and services that may fulfill their needs from other business units.
Requirements
Benefits
First State Bank and Trust and Valley Agencies is an equal opportunity employer committed to creating a diverse workforce. We support a work environment where colleagues are respected and allowed to perform to their fullest potential. We consider all qualified applicants regardless of race, religion, color, sex, national origin, age, sexual orientation, gender identity, disability, or veteran status, among other factors. Drug-Free Workplace.
