Universal Banker

At Stearns Bank, we’re helping people, entrepreneurs, small businesses, and local communities nationwide reach their full financial potential. Sound like something you want to be a part of? If so, we’re currently looking for a Universal Banker to join our St. Cloud Bank team at our In-Office branch!

• Employee Stock Ownership Plan & 401k Plan with Employer Match
• Healthcare (Medical, Dental, Vision, Telehealth, Life insurance)
• 12-week Paid Medical Leave
• Paid Parental Leave: 21-weeks Primary Care Parent, 14-weeks Secondary Care Parent
• $5,000 Family Care Reimbursement
  • Childcare, Elder Care, Student Loan Debt, Pet expenses, down payment assistance
• $1,000 Self Improvement Allowance
• PTO from 13 to 23 days depending on tenure. Cashout and Carryover options.
• 10 Days Sick Time
• 11 Paid Holidays
• 4 Days Volunteer Time
• 2 Days Self Allowance Time
• Tuition Assistance

For this position, we anticipate an annual salary range between $51,000 - 59,000. Final employment offers will be dependent upon the selected candidate’s relevant qualifications and experience.

• Proactively identify and pursue opportunities to acquire new consumer and business checking accounts through targeted outbound calling, networking, community involvement, and referrals.
• Develop and carry out strategies to increase deposit balances from existing customers by understanding their needs and offering tailored solutions.
• Consistently meet or exceed assigned sales and deposit growth goals for new accounts and deposit balances.
• Maintain a robust pipeline of prospective clients and track progress towards conversion.
• Develop a deep understanding of the local market, competitors, and customer needs to effectively position the bank’s products and services.
• Partner with other departments (e.g., Commercial Lending, SBA, Nonprofits etc.) to identify cross-selling opportunities and generate referrals.

Customer Service and Relationship Management:

• Greet and direct customers promptly and professionally.
• Actively interact with customers, prospects, and coworkers to build strong business relationships.
• Develop a strong understanding of products, services, sales skills, and service standards.
• Assist customers with request and/or concerns by phone and in person, delegating research and resolution.
• Initiate customer courtesy calls on all accounts opened to ensure customer satisfaction.
• Follow-up on closed accounts to understand the reason for closing.
• Maintain confidentiality of customer accounts.

Transaction Processing and Account Management:

• Process commercial, business and consumer checking deposits, verifying cash and accurate endorsement of items.
• Process savings deposits and withdrawals, verifying cash, endorsements, and signatures.
• Accept checks presented for cash following the check cashing policy and verifying identification.
• Accept installment and commercial payments.
• Process advances for personal and home equity lines of credit.
• Handle U.S. Savings redemption transactions.
• Issue cashier checks, money orders, gift cards, and credit card cash advances.
• Issue debit cards, make changes, and close a requested.
• Accept check re-orders and address changes.
• Process dormant and inactive account transactions according to bank policy.
• Handle and balance cash drawer.

Operational and Administrative Duties:

• Assist with opening and closing of the bank facility by accessing security system, recording, and processing night deposit bags / envelopes.
• Maintain bank security by following policy, which includes internal security, transaction security, and robbery procedures.
• Process any of the following: Incoming mail deposits and payments; Loan deposits; signature cards; transfers, and coin orders.
• Perform ATM duties.
• Print daily reports & notices.
• Assist in applying postage to the bank’s outgoing mail.
• Scan & index account forms in M-Files.
• Perform Canadian exchange for customers.
• Generates new business through prospecting, calling, social networking and referrals from EFD, SBA, National, Commercial and Consumer lending.
• Sell, explain, and open deposit accounts for both personal and business customers and prepare all related documentation.
• Cross sell bank products and services.

Compliance and Training:

• Maintain solid understanding of all legal and regulatory compliance issues as they pertain to this position.
• Loss prevention and security as applicable for this position.
• Complete required training.
• Participate in Stearns Bank sales/referral promotions.
• Assist with deposit product training with new and existing employees.
• Maintain file on assigned competitor and monitor rates, pricing, product changes, etc.
• Participate in Saturday duty when needed.
• Other projects as assigned.

• Occasionally lift and/or move up to 10 lbs.
• Literacy in English.
• Ability to sit for extended periods of time, twist, bend, sit, walk use hands to twist, handle or feel objects, tools, or controls, such as computer mouse, computer keyboard, calculator, stapler, telephone, staple puller, etc., reach with hands and arms, balance, stoop, kneel, talk, or hear.
• Specific vision abilities required by the job include close vision, distance vision, peripheral vision, depth perception and the ability to adjust focus.

• Associate degree (A.A.) or equivalent from a two-year college or technical school; or one to two years related experience or equivalent combination of education and experience.
• At least one-year sales experience, preferably in financial institution with a proven track record of achieving sales target, particularly in deposit growth and new account acquisition.
• Excellent communication and interpersonal skills.
• Excellent analytical, problem-solving, leadership and critical thinking skills.
• Excellent customer relation skills.
• Proactive and results-oriented, with a strong aim to succeed in a sales-driven environment.
• Ability to handle several priorities.
• Strong digital literacy.
• Detail oriented.
• Strong time management and organizational skills.
• Flexible.

• Prior experience with Fiserv banking software.
• Knowledge of Individual Retirement Accounts.