Lending Universal Banker
About The Position
The Lending Universal Banker builds lasting relationships with clients by being their trusted financial advisor and recommending personalized products and services. Opens and maintains customer accounts and consumer loans; performs related account maintenance. Processes client transactions, maintains and balances a cash drawer and/or vault and identifies the needs of clients while cross-selling appropriate Bank products and services. Understands and completes job responsibilities in accordance with federal and state regulations. Essential Functions Client Relationships Identifies the financial needs of our clients Cross-sells Bank products and services to clients Opens and maintains retail deposit accounts Reviews and approves consumer loan applications Troubleshoots and resolves client concerns Performs debit card and internet banking maintenance Personalizes all client interactions Assists clients via phone, email, and in-person Reaches out to existing clients and prospective clients Documentation Completes all required account and loan documentation Ensures all regulation requirements are met Teller Operations Processes client transactions Maintains and balances cash drawer and/or vault on a daily basis Additional Duties and Responsibilities Closes Bank as needed Participates in internal and external training and development opportunities as required Other job related duties necessary to carry out the responsibilities of this position Requirements Work Relationships and Scope: Works regularly with clients and co-workers for the purpose of obtaining and providing information and assistance. Works occasionally with suppliers and vendors, community/trade/professional affiliations. Works regularly with confidential business and client information. Occasionally participates in bank committees and events. Performance Dimensions: Quality, accuracy, reliability, thoroughness and timeliness of work performed and services provided to clients and co-workers; strong organization skills; customer satisfaction with services provided; keeps Bank and client information confidential; demonstrates friendly and helpful approach and attitude toward internal and external clients. Effectively communicates and develops good working relationships with all co-workers and clients; professional workplace appearance and conduct; honesty and integrity in all client and co-worker communications; reliability in reporting to work regularly and on time; understands Bank policies and procedures. Participates in training and appropriate professional development. Multi-tasks and effectively manages varying duties throughout the workday. Stays current in field and utilizes that information where practical; participates in training and appropriate professional development. Utilizes knowledge of Bank products and services to effectively cross-sell.
Requirements
- High school diploma required.
- Previous cash handling experience required.
- Minimum three years banking and consumer lending experience required.
- NMLS certification required.
- Must possess courteous and professional customer service attitude; excellent verbal and written communication skills for interacting professionally with clients (both pleasant and difficult situations) and relating to other co-workers; ability to maintain the integrity of highly confidential client and Bank information.
- Must possess computer functioning and typing skills; basic mathematical skills up to and including fractions; legible handwriting.
- Must be able to deal effectively with time pressures and stress that can change hourly depending on level of client activity; effective problem solving skills; effective cross selling skills.
- Must be a self-starter and independent thinker and meet goals as outlined by the manager.
Nice To Haves
- Two-year degree in business related coursework preferred.
Responsibilities
- Identifies the financial needs of our clients
- Cross-sells Bank products and services to clients
- Opens and maintains retail deposit accounts
- Reviews and approves consumer loan applications
- Troubleshoots and resolves client concerns
- Performs debit card and internet banking maintenance
- Personalizes all client interactions
- Assists clients via phone, email, and in-person
- Reaches out to existing clients and prospective clients
- Completes all required account and loan documentation
- Ensures all regulation requirements are met
- Processes client transactions
- Maintains and balances cash drawer and/or vault on a daily basis
- Closes Bank as needed
- Participates in internal and external training and development opportunities as required
- Other job related duties necessary to carry out the responsibilities of this position
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What This Job Offers
Job Type
Full-time
Career Level
Entry Level
Education Level
High school or GED
Number of Employees
11-50 employees
