Universal Banker II

Merchants Bank•Apple Valley, MN

11d•Onsite

About The Position

Merchants Bank is hiring a full-time Universal Banker II to provide exceptional customer service and offer banking products and services that meet customers’ financial needs. The position serves as a primary customer contact, assisting with transactions and account inquiries, opening and maintaining deposit accounts and safe deposit boxes, making product recommendations, and building customer relationships. The role also contributes to fraud prevention and branch operations. The Universal Banker II performs all Level I duties and is proficient in opening and maintaining business accounts, IRAs, HSAs, and CDs; processing teller transactions as needed; and providing consumer credit card and overdraft protection lending. Duties may also include branch administrative tasks and Lead Teller responsibilities. The position works 40 hours per week, with varied hours to cover branch hours, including a rotating Saturday morning, and occasional shifts at nearby branches. Participation in community and promotional activities may involve evenings and weekends when requested. The work is in a climate-controlled indoor environment with low noise and no environmental hazards or chemicals. The role requires extensive computer use and regularly involves sitting and standing; occasionally lifting or moving up to 35 pounds.

Requirements

At least 6 months of front-line banking experience.
High school diploma or equivalent.
Strong communication, interpersonal, and customer-service skills.
Experience handling customer contact and difficult customer situations professionally and tactfully.
Ability to work varied shifts and hours, including Saturdays, and adhere to an onsite work schedule.
Strong ability to multitask, prioritize, and manage time.
Strong math skills and attention to detail.
Strong computer-system proficiency and ability to learn customer-facing banking systems.
Ability to learn and follow regulatory and compliance requirements, policies, procedures, and controls.
Ability to remain calm, professional, and focused under pressure.
Ability to use sound judgment and common sense, communicate clearly, follow instructions, and escalate concerns or issues when appropriate.
Ability and willingness to speak up about concerning customer or coworker behavior.
Genuine interest in engaging with customers to identify needs and offer appropriate products and services.
Regular and dependable on-time attendance.

Nice To Haves

Banking experience is a plus beyond the stated front-line banking experience requirement.
Cash-handling experience is desired.

Responsibilities

Provide efficient, accurate, and personalized service to internal and external customers; understand their needs, offer solutions, and resolve or escalate issues.
Perform all Level I Universal Banker duties, including opening and maintaining basic checking and savings accounts, processing teller transactions, and opening, closing, and maintaining safe deposit boxes.
Open and maintain business accounts, IRAs, HSAs, and CDs.
Process teller-area banking transactions as needed, including deposits, loan payments, check cashing, withdrawals, night deposits, cashier’s checks, and money orders; maintain a balanced cash drawer and adequate cash and coin supplies.
Assist customers with internet banking, bill pay, e-statements, mobile banking, telephone banking, and other systems or services.
Build customer relationships, identify financial needs and sales opportunities, and provide consultative product recommendations and education.
Meet or exceed individual sales targets; conduct directed outbound sales activities and contribute to branch sales goals.
Promote bank products and services, respond to customer inquiries, forward appropriate requests to other departments, and attend customer meetings as requested.
Maintain current knowledge of bank products, services, promotions, industry trends, regulatory changes, and competitive offerings.
Complete required compliance training and certifications; follow bank policies, procedures, controls, and regulatory guidelines.
Follow security and fraud-prevention measures, safeguard customer information and bank assets, and share relevant legal and fraud information to help protect customers and retailers.
Perform account opening, maintenance, change, and closure tasks; maintain required documentation and central-file information; submit workflow requests accurately; and review daily overdraft reports.
Complete administrative and operational branch duties, which may include Lead Teller duties; serve as a Vault Attendant if needed.
Maintain a neat and organized work area and comply with audit and security requirements for the work area and branch.
Collaborate with coworkers and shared-services employees, respond constructively to supervisory guidance, and contribute to a positive working environment.
Participate in community activities, trade shows, promotional events, and marketing activities as requested, including evenings and weekends.
Maintain regular, dependable, on-time attendance and accept cross-training or other duties as assigned.