The Universal Banker 3 is part of the bank’s retail/consumer department and will report to the Retail Coordinator. The primary responsibility of this position is to help deepen customer relationships, attract additional customers and provide excellent customer service.
This position is primarily responsible for originating consumer loans and includes making for credit decisions (within authority guidelines), overall credit quality, and fee income.
In addition, this position will be responsible for opening new deposit accounts, including checking, savings and certificates of deposit and IRA’s. As needed this position may be called on to support teller activity during peak times.
This position will also be responsible for completing sales activities to help attract new customers. These duties will include originating letters to be sent to customers and prospects, soliciting banking relationships, developing prospect lists, and other tasks as requested by the Retail Manager.
Loan Origination: 40%
Responsible for generating consumer loans with guidelines set by bank policy and growth targets. This will include interviewing the customer and completing the loan application.
Authorize or recommend approval of consumer applications for lines or extensions of lines of credit and consumer loans within authority guidelines.
Responsible for retail product sales. This will include helping to deepen account relationships with existing customers and soliciting prospects to the bank.
Responsibilities will include sales, cross-selling and referring customers and prospects to bank accounts. Goals will be set for production in these areas, and incentives will be awarded for achieving above threshold performance.
Customer Service/Deposit Accounts: 30%
Assist customers with their account transaction needs. This includes deposits, withdrawals, and consumer loan inquiries.
Assist walk-in customers with their new account needs. This will include checking, savings, certificates and the IRAs. Provide teller services to customers as needed.
Understand the various products the bank offers and is able to explain the value of those products to customers.
Assist walk-in and phone customers with problems or service issues related to their account(s). Assist with quality issues related to deposit accounts, including tracking and communicating issues to staff and their supervisors.
Understand bank operational procedures related to retail delivery. This may include product functionality, account documentation, platform/operational issues, CIP procedures, etc.
Perform paying and receiving functions for customers. This will include taking deposits, withdrawals, and transfers from customers. Additionally, the Universal Banker - 3 may sell cashier checks, money orders and help customers with additional related services.
Understand and comply with the related laws and compliance regulations that pertain. Examples include bank secrecy act, privacy, and funds availability policy.
Understands the importance of electronic delivery. Fully understands, utilizes, encourages and sells these products.
Must have competency using the online and mobile banking products, and the ability to trouble shoot common questions and concerns.
Fulfill compliance requirements as directed by the bank, including those of the Bank Secrecy Act and consumer compliance issues.
As part of the overall team of bank employees, this position may be requested to assist in the support of other bank activities.
Able to adjust quickly to different work situations and remain composed under pressure and in stressful situations.
Respond sensitively to the needs and priorities of the customer; recognize and take appropriate action to meet their needs and establish an effective working relationship with customers to gain their respect and loyalty.
The ability to express thoughts and ideas in a clear and concise manner, both orally and in written form to a variety of audiences and to all levels of staff.
Project a positive image of the bank to all internal and external customers.
Retail Sales Skills:
The potential to understand and effectively apply selling techniques to open, develop and close a sale; must be able to create interest in a product and actively cross-sell other products and services.
Must view oneself as part of an overall team. This includes supporting others throughout the entire bank to achieve the overall goals of the bank.
Ability to effectively manage one’s time to complete work according to established deadlines. The ability to prioritize tasks to make the best use of time for high priority tasks.
Must understand the link between needed skills and employee competency. From this ‘gap’ must be able to determine the appropriate training method to best deliver training.
Must be comfortable using bank products specifically the online and mobile banking. Must be able to assist customer with common questions.
EDUCATION AND PREFERRED REQUIREMENTS
High School diploma or equivalent, 2-year degree preferred. Two years Universal banker experience preferred, or relevant experience. This job requires skills needed in a typical office environment. This includes computer skills as well as utilization of office equipment.
Ability to read, analyze, interpret and implement regulations and laws, general business periodicals, professional journals, technical procedures, or governmental regulations. Ability to write reports, business correspondence, policy and procedure manuals. Ability to effectively present information and respond to questions from groups of managers, clients, customers, and the general public.
Ability to define problems, collect data, establish facts, and draw valid conclusions. Ability to interpret an extensive variety of technical instructions and/or problems and deal with several abstract and concrete variables.
CERTIFICATES, LICENSES, REGISTRATIONS
Valid driver’s license required for travel to Bank offices, training sessions, customer meetings, Bank and community meetings, etc. Ability to speak a foreign language helpful but not required.
The physical demands described here are representative of those that must be met by an employee to successfully perform the essential functions of this job. Reasonable accommodations may be made to enable individuals with disabilities to perform the essential functions.
While performing the duties of this job, the employee is regularly required to talk or hear. The employee frequently is required to sit; use hands to finger, handle, or feel; and reach with hands and arms. The employee is occasionally required to stand; walk; climb or balance; and stoop, kneel, or crouch. The employee must regularly lift and/or move up to 10 pounds and occasionally lift and/or move up to 50 pounds. Specific vision abilities required by this job include close vision, distance vision, color vision, and depth perception.
Must be willing to work in excess of 40 hours per week and on some weekends as required.
The work environment characteristics described here are representative of those an employee encounters while performing the essential functions of this job. Reasonable accommodations may be made to enable individuals with disabilities to perform the essential functions.
While performing the duties of this job, the employee is occasionally exposed to moving mechanical parts and outside weather conditions. The noise level in the work environment is usually moderate.