Join the American Bank team, a staple of the Montana Banking Community for more than 70 years. Family owned and operated, we thrive on the personal touch and deep understanding of catering to the diverse Montana community, from luxury real estate to local small business owners. Our team has the passion and experience necessary to enthusiastically meet our customer’s needs. Come join a team that operates at the intersection of community and growth opportunity.

Reports To: Branch Manager

Position Status: Full-time, Non-exempt

Job Summary: The Universal Banker is a resourceful, customer service-oriented person who handles many different complex banking products and services. People in this role must be able to troubleshoot computer banking systems, handle and solve novel banking problems, and use their resourcefulness to seek out quick guidance to ensure customer satisfaction.

Primary Responsibilities:

The primary responsibility of a Universal Banker is to provide exceptional customer service. The primary duties of a Universal Banker are:

• Represent American Bank in a courteous, professional manner.
• Obtain and maintain a working understanding of all products and services sold by American Bank
• Interview customers who come into the bank seeking banking services. Handles the details of transactions. Prepares necessary documents. Follows up to ascertain that all documents are completed and returned and that customers are satisfied.
• Handle accounts, including installment loans, checking, savings, certificates of deposit, individual retirement accounts, and other retail banking services. Services these accounts by making loans, opening new accounts, cross-selling services, resolving problems and so on. Is responsible for account retention.
• Contact current bank customers to solicit new business in person or by mail or phone to meet specific goals as outlined for each personal banker to expand retail bank services. Is responsible for attaining established monthly and yearly loan and deposit goals.
• Review overdrawn checking accounts daily for paying or returning checks or closing accounts. Contacts customers for disposition of accounts. 
• Resolve customer problems. Obtains information, research records and follows up on details to resolve the matter to the customer’s satisfaction.
• Assist in answering telephones.
• Perform all account maintenance activities requested by customers and management
• Participate in an outside service organization to promote the community and to advance the image of American Bank
• Satisfactorily complete all required compliance bank training and comply with all regulations which apply within the scope of the position.
• Receive checks and cash for deposit to savings and checking accounts, verify deposit amounts, examine checks for endorsement and negotiability, and enter transactions into bank records via an on-line teller terminal
• Cash checks and pay money from savings and checking accounts upon verification of signatures and customer account balances. Inspect all checks, bonds, money orders, savings withdrawals, etc. to determine their negotiability.
• Accept loan payments of all types ensuring that payments equal the amount due and that all late charges, if applicable, are collected.
• Sell bank products for fee income. Examples include:
  • Money Orders Statement Copies
  • Cashier Checks Photocopies
  • Stop Payments Gift Cards
• Redeem cash items for deposit or cash. An example is Savings Bonds
• Promote bank services and cross-sell bank products
• Provide information for customers regarding accounts and products upon proper verification
• Balance cash and negotiable items
• Assist in developing a branch business plan and setting individual goals and objectives for this position.
• To sell all products ethically, based upon the needs of the customer and within the parameters established by American Bank.
• Developing new business through calling programs, and by participating in at least one outside service organization
• Meeting the goals and objectives set by management
• Maintain cash within established limits to reduce the bank’s exposure to loss, generally assist tellers
• Adherence to bank policies and procedures
• Assist in the opening and/or closing of the branch
• Combination and key control
• Opening and processing night depository, ATM and /or cash dispensers
• Control of negotiable instruments
• Internal audit of cash and negotiable instruments
• Perform other duties and responsibilities as directed

Competencies:

• Ability to portray a professional image and provide prompt and friendly quality service to all customers.
• Ability to open, close and perform maintenance on all deposit account products
• Balancing cash within the designated guidelines
• Proficient and effective operation of the telephone system; bank computer system including Microsoft Word, Excel, Jack Henry, and E-Mail; calculator; photocopier; and fax machine.
• Interpersonal skills to represent American Bank in a positive manner

Education and Experience:

• Required: Highschool diploma, GED, or equivalent diploma
• Preferred: One year of Banking experience

Working Conditions:

• Work environment is indoors in a clean atmosphere with normal noise levels.
• Physical requirements include: standing for long periods when providing customer service, sitting, walking and must be able to lift and carry 30 lbs. waist high and 20 lbs. shoulder high.
• Ability to work under time constraints and pressure is required.
• Exposed to a potentially hazardous condition – robbery. Receives detailed instructions and procedures to be followed to minimize the risk.
• Monday – Friday 8:00AM – 5:00PM, rotating Saturdays on a monthly basis.

Physical Requirements:

• Critical sensory abilities are seeing, hearing/listening, touching, and speaking
• Physical dexterity requirements include operating general office equipment such as telephone, computer, calculator, typewriter, photocopier, fax machine, and postage machine. Physical ability to stand, walk, sit, climb stairs, balance, stoop, kneel, crouch or crawl.
• Mental effort requirements include reading, writing, basic arithmetic, mathematics, visualizing conclusions, analyzing data, searching for solutions, creating methodologies, conducting research, and managing resources.
• Physical requirements include standing for long periods when providing customer service, sitting, walking and must be able to lift and carry 30 lbs. waist high and 20 lbs. shoulder high

Travel Requirements:

• I understand that even though my primary work assignment will be in my Livingston branch; I agree to go to any other location requested by management. I understand that such temporary re-assignment will require the use of my personal vehicle. If I am requested to spend the entire day at a non-primary location, American Bank will pay for my time spent traveling which is inclusive from the time I leave my home to the time I return to my home. In addition, any time that I use my personal vehicle in such travel, I understand that American Bank will reimburse my mileage at the current designated IRS mileage reimbursement rate.

Additional Qualifications (if applicable): ie certifications or industry-specific experience

• Become registered on the Nationwide Mortgage Licensing System & Registry (NMLS)
• Become a Montana Notary Public

Pay Grade: 8