Universal Banker I

First State Bank and Trust•Bayport, MN

22h•$40,000 - $45,000

About The Position

First State Bank and Trust is seeking a Universal Banker I to help business, nonprofit, and consumer clients complete banking transactions and manage financial resources. The role addresses questions, solves problems, identifies client needs, recommends and sells appropriate products and services, and refers clients to other individuals or departments when needed. The position performs and oversees teller and vault operations, processes client transactions, provides customer service, and helps develop client relationships through account opening, financial product education, loan application assistance, and referrals. The role also follows applicable procedures and compliance requirements and works with colleagues across the bank and affiliated businesses to meet client needs.

Requirements

High school diploma or GED.
At least 1–2 years of experience in a financial institution role, or an equivalent combination of education and related work experience in financial services or retail/business banking.
Experience providing high-quality customer service.
Close attention to detail.
Experience working in a team environment.
Ability to count and balance cash.
Knowledge of MS Office, Windows, and ten-key calculators.

Nice To Haves

Two- or four-year post-secondary degree.
Previous teller or cash-handling experience.

Responsibilities

Accurately perform or oversee balancing for ATMs, cash drawers, gift cards, and end-of-day transactions, including cash advances, coin machines, teller drawers, and vault duties.
Research and locate balancing differences and work with the audit team during audits.
Handle teller cash requests and oversee change-order fulfillment.
Maintain accurate records of currency bought and sold and follow dual-control procedures.
Process checking and savings deposits for commercial, consumer, and nonprofit clients.
Accept loan payments, overdraft protection payments, and line-of-credit payments and advances.
Process night deposit, mail, and courier transactions.
Maintain current knowledge of products and services supported in teller and Universal Banker I functions.
Greet clients in person and by phone and handle calls promptly, accurately, and professionally.
Complete stop-payment paperwork and enter it into the system.
Educate clients about products and services that may support their financial health and goals.
Participate in educational, product-fulfillment, and referral initiatives.
Complete new-account and product-opening processes accurately and promptly.
Assist clients with loan applications and comply with consumer loan rules and regulations.
Identify opportunities to refer clients to products and services offered by other business units.
Coordinate with other bank employees and affiliated businesses to help clients obtain assistance.
Complete the designated Client Opportunity Referral process in the Hub and follow up to ensure client needs are met.