Universal Banker II

Merchants Bank•Onalaska, WI

1d•$23 - $27•Onsite

About The Position

As a Universal Banker II, 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. This position requires proficiency in and the ability to conduct all Level I duties, as well as opening and maintaining business accounts, IRAs, HSAs, and CDs. You will also process banking transactions in the Teller area as needed, engage in community outreach and external sales activities, and be proficient in consumer credit card and ODP lending. Additionally, you may conduct administrative duties at the branch level and potentially perform Lead Teller duties.

Requirements

A minimum of 6 months of front-line banking experience
High school diploma or equivalent
Strong communication and interpersonal skills
Strong customer service skills and experience
Demonstrated success working onsite and adhering to a work schedule
Flexibility to work varied shifts and hours (including Saturdays)
Demonstrated success handling difficult customer situations
Demonstrated ability to stop, pause and speak up when concerned about a coworker’s or customer’s behavior
Ability to use intuition and common sense to carry out instructions, understand procedures, speak professionally and clearly to customers and employees as well as to escalate to supervisor when needed
Strong time management skills and the ability to multi-task and prioritize
Strong math skills and abilities
Strong computer system proficiency
Ability to learn and follow established regulatory and compliance guidelines, policies and procedures
Strong attention to detail
A genuine desire to have engaging conversations with customers to identify and solve customer needs, as well as to offer additional appropriate products and service solutions

Nice To Haves

Banking experience is a plus
Cash handling experience desired

Responsibilities

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
May include Lead Teller duties
Ensure that internal and external customers receive outstanding service
Be efficient and accurate when processing customer transactions
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
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
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
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 inquiries 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
Maintain in-depth knowledge of the bank's products, services, and promotions
Educate customers on the features, benefits, and terms of various banking products
Stay updated on industry trends, regulatory changes, and competitive offerings
Complete all required compliance training and certifications on time
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
Adhere to security and fraud prevention measures
Disseminate information regarding legal and fraud issues
Perform various administrative and operational tasks when opening and closing accounts, account maintenance and changes, and documentation
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 any and all audit regulations concerning the security of your work area and branch location
When working in the Teller area, process financial transactions including receiving deposits and loan payments, cashing checks, issuing withdrawals, recording night deposits, selling cashier's checks and money orders as well as answering customer questions
Maintain a balanced cash drawer and maintain an accurate supply of cash and coin
Organize time to complete duties without sacrificing service to customers
Maintain a neat and organized work area
Performs all other duties, as assigned, to increase performance of Merchants
Accept request to cross-train for additional duties
Collaborate with other team members to ensure branch operations run smoothly and efficiently
Respond to supervisory guidance and direction, ask good questions, listen and do the appropriate detective work to either help yourself or our customers
Active and willing to work at trade shows, promotional events, and marketing activities during work hours and on evenings and weekends as requested
Participate in community activities to actively promote the bank
Contribute to a positive working environment through words and actions
Avoid personal phone calls, text messages, and non-business related emails (internal and external), and internet usage (unless in an urgent situation)
Regular and dependable on-time attendance is an essential function of the job