Universal Banker I

JOB SUMMARY

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.  

ESSENTIAL FUNCTIONS:

Perform Vault Teller Duties and Oversee/Support Balancing Procedures:

• 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.
• Work with the audit team when conducting audits.
• Handle all teller cash requests and oversee the filling of change orders.
• Maintain accurate records of all currency bought and sold.  
• Follow and maintain dual control procedures as required.

Accept and Process Client Transactions:

• Service clients quickly and ensure fluidity within the branch.  
• Accept and process commercial, consumer and nonprofit clients’ checking and savings deposits.
• Accept mortgage, installment, commercial loan, and overdraft protection payments, as well as line of credit payments and advances.  
• Process night deposit, mail, and courier transactions.  
• Remain knowledgeable and current on the products/services you support in the teller and universal banker 1 functions.

Provide Strong Internal/External Customer Service:

• Warmly greet all clients calling the branch or entering the lobby.
• Handle calls promptly, accurately, friendly, courteously, and professionally.
• Complete stop payment paperwork in an accurate in efficient manner, be it over the phone or in person. Complete the paperwork and input on the system.  

Expand and Strengthen Current and New Client Relationships:

• On a day-to-day basis, educate our clients on products and services that may improve their financial health based on the life stage they are in and the goals they have, etc. 
• Participate in educational, product fulfillment and referral initiatives launched by the organization
• Perform any, and all, new account and product opening processes and procedures expeditiously and accurately.
• Help assist clients to complete loan applications and maintain compliance with consumer loan rules and regulations.

Refer Other Products and Services

• 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.
• Work with other FSBT employees including but not limited to Cash Management, Bank Services, Mortgage, Trust, Hanzlik, Valley Insurance, etc. to help the client get the assistance they need.  
• Accurately complete the designated COR (Client Opportunity Referral) process on the Hub.
• Ensure client’s needs were met by following up with him/her.

PHYSICAL REQUIREMENTS/WORKING ENVIRONMENT:

An individual must be able to perform each essential duty satisfactorily. Reasonable Accommodations may be made to enable qualified individuals with disabilities to perform the essential functions.

Physical Requirements - Must be met with or without a reasonable accommodation:

• Work is performed either standing or sitting and includes frequent position changes in response to customer needs. Ability to sit for long periods of time on occasion.
• Ability to operate a personal computer/laptop for approximately 8 hours per day.
• Hand dexterity with wrist and finger manipulation as well as reaching with arms and hands due to calculating or computer work. Equipment used may include but is not limited to computer, calculator, telephone, teller machine, and equipment unique to the Teller department.  

EDUCATION REQUIREMENTS:

• High School diploma/GED. Two- or four-year post-secondary degree preferred.

MINIMUM JOB QUALIFICATIONS:

• A minimum of 1-2 years of experience in a financial institution role, or equivalent combination of education and related work experience in financial services or retail/business banking.
• Previous teller or cash handling experience preferred.
• Experience providing high quality customer service.
• High attention to detail.
• Experience working in a team environment.
• Ability to count and balance cash.
• Knowledge of MS Office, Windows and ten key calculators.

This job description is intended to describe the kinds of tasks and level of work difficulty being performed by people assigned to this position. The list of responsibilities is not intended to be construed as an exhaustive list of all responsibilities, duties, and skills required of personnel so classified. First State Bank and Trust retains the discretion to add or change the contents of this job description at any time.