Universal Banker II

Position: Full-time Universal Banker II
Location: Cannon Falls

Job Summary

As a Universal Banker, you will be responsible for providing exceptional customer service and proactively offering a range of banking products and services to meet the financial needs of our customers. You will serve as a primary point of contact for customers, assisting them with various banking and financial transactions, account inquiries, opening new account relationships and safe deposit boxes, and making product recommendations in an efficient and friendly manner.

The Universal Banker will play a crucial role in building customer relationships. You will also play an important role in fraud prevention.

Responsibilities and Skill requirements for each Universal Banker level

Level I

• Open & maintenance basic checking and savings deposit accounts
• Process banking transactions in the Teller area
• Open, close and maintain safe deposit boxes
• Serve as a Vault Attendant if needed in the Branch
• If person is doing more than 50% Teller work, they may report to the Lead Teller and be considered in the Teller Department
• Education required:
  
  High school diploma or equivalent

Level II

• Be proficient in and conduct all Level I duties
• Open & maintenance business accounts, IRAs, HSAs, CDs
• Process banking transactions in the Teller area as needed
• Community Engagement and External Sales Activity as directed.
• Be proficient in Consumer Credit Card and ODP lending.
• May conduct administrative duties at the branch level
• Experience required: A minimum of 6 months of front-line banking experience
• Education required:
  
  High school diploma or equivalent

Responsibilities of all Universal Banker levels

Exceptional Customer Service

• Ensure that internal and external customers receive outstanding service from every employee (and speak up when they do not).
• Be efficient and accurate when processing customer transactions, as outlined in current policies and procedures
• Provide excellent customer service by greeting customers, seeking to understand their needs, and offering them personalized solutions.
• Provide high-quality consultative conversations to uncover needs and opportunities.
• Resolve customer issues and concerns promptly and effectively; escalate when needed.
• Be proficient and happily able to assist customers on the systems including internet banking products, bill pay, e statements, mobile banking, telephone banking and anything else the customer may need assistance with.
• Stay calm, professional and focused under pressure.

Relationship Building

• Build strong relationships with customers to understand their financial goals and identify opportunities to meet their needs.
• Foster long-term customer loyalty through ongoing relationship management and exceptional service.
• Build strong internal relationships with immediate coworkers as well as Merchants Bank employees in all shared services areas.

Sales and Business Development

• Meet or exceed individual sales targets for banking products (such as deposit accounts, loans and credit cards).
• Conduct outbound sales activities (such as prospecting, lead generation, and follow-up on sales opportunities) as directed by supervisor.
• Collaborate with other team members to achieve branch sales goals and contribute to overall business growth.
• Respond to all customers inquires and forward any appropriate requests to other departments.
• Promote bank products by answering inquires; inform customers of new services and product promotions.
• Attend external customer meetings as requested.

Product Knowledge

• Maintain in-depth knowledge of the bank's products, services, and promotions.
• Educate customers on the features, benefits, and terms of various banking products to help them make informed decisions.
• Stay updated on industry trends, regulatory changes, and competitive offerings to provide accurate and up-to-date information to customers.

Compliance and Risk Management

• Complete all required compliance training and certifications on time to maintain a comprehensive understanding of compliance requirements.
• Collect Privacy Codes/Security word as well as update email addresses and contact numbers.
• Process transactions efficiently and accurately, ensuring compliance with internal policies, procedures, controls, and banking regulations.
• Follow all bank policies, procedures, and regulatory guidelines to ensure compliance and mitigate risk.
• Adhere to security and fraud prevention measures to safeguard customer information and bank assets.
• Disseminate information regarding legal and fraud issues, to protect customers and retailers against fraud.

Operations

• Perform various administrative and operational tasks when opening and closing accounts, account maintenance and changes, and documentation. Follow maintenance and closed account procedures for all types of deposit accounts.
• Update central file information when working with account portfolios & compliance regulated forms.
• Accurately submit customer workflow/task requests as required in the appropriate systems.
• Review the daily overdraft report to proactively catch your customers before they default.
• Comply with…