Universal Banker

Universal Banker

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.

Duties/Responsibilities:

· 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.

Required Skills/Abilities:

· Ability to read and interpret documents such as safety rules, operating and maintenance instructions, compliance and procedure manuals.

· Ability to write routine reports and correspondence.

· Ability to speak effectively before groups of customers or employees of organization.

· Ability to calculate figures and amounts such as discounts, interest, commissions, proportions, and percentages.

· Ability to apply concepts of basic algebra and geometry.

· Ability to solve practical problems and deal with a variety of variables in situations where only limited standardization exists.

Education and Experience:

· High school diploma or general education degree (GED); related experience and/or training; or equivalent combination of education and experience.

Physical Requirements:

· Prolonged periods of sitting at a desk and working on a computer.

· Must be able to lift up to 15 pounds at a 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.

Benefits:

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

Work Location: In person