Universal Banker III

BankWest•Mitchell, SD

About The Position

The objective of this position is to ensure the retention and growth of existing customer relationships and continuous growth of new business through proactive sales efforts and quality of service. Responsible to perform all related work responsibilities consistent with the standardized procedures and compliance requirements of the Bank. Accountable for the development of new customer relationships; along with a focus on the continued maintenance and enhancement of current Consumer Banking relationships. Responsible to accurately fulfill Consumer transactions; actively sell additional Enterprise financial products and services.

Requirements

An Associate's degree in a related field, or applicable experience and/or related certifications in lieu of degree.
ABA Universal Banker Certification Program.
2 years' experience in a related field.
Experience in sales and customer service.
Ability to work dependently and/or independently, under pressure, meet deadlines, and adjust work schedules as needed.
Ability to organize and handle multiple responsibilities while delivering quality external and/or internal Customer Service.
Strong interpersonal skills for effective communication.
Knowledge or ability to learn regulatory requirements pertinent to the job.
Knowledge of banking terminology and procedures.
Ability to skillfully use a variety of application software, learn computer programs, and comprehend program output.
Adherence to Federal Privacy Standards, BankWest requirements for electronic communication, and Social Engineering standards.
Expectation to participate directly or indirectly with increasing BankWest's presence in their markets as appropriate.

Responsibilities

Develop and enhance customer financial relationships through daily customer contact and the proactive use of Customer Relationship Management (CRM) programs.
Identify early signs of dissatisfaction and work to resolve issues to aid in customer retention.
Accurately process all customer transactions requested through the lobby, drive-up, or telephone, including deposits, withdrawals, loan payment receipt, cashier check issuance, check cashing, credit card advances, savings bond redemption, check orders, wire transfer, and ACH transactions.
Perform deposit account maintenance and problem solving, including wire transfer, ACH, stop payment, address/other information changes, account balancing/research, debit card, and web banking support.
Open and close personal and business accounts including checking, savings, deposit, and IRA/HSA accounts; identify and recommend additional convenience services including web banking and debit cards.
Originate Personal loans generated in Consumer Banking including secured and unsecured Consumer, and Small Business loans.
Manage related credit practices for all loan types including application, credit documentation, analysis, underwriting, customer communication, and disclosure requirements.
Complete post-approval documentation requirements including file completion, customer set-up, loan set-up sheet, closing, and funding.
Make overdraft payment decisions, and perform performance and collection activities related to customer deposit and loan accounts.
Serve as an IRA/HSA subject matter expert (SME) for all related informational, account administration, and customer service support needs.
Identify customer needs for additional Bank and Financial Service products. Sell and refer other Bank, Trust, Brokerage, and Insurance products and services to new and existing customers.
Actively cross sell GAP/Warranty/Credit Life insurance products.
Actively seek out opportunities to grow new customer relationships through periodic service reviews, customer contact via in-person visits, joint calls, sales telephone calls, and scheduled appointments.
May be assigned HELOC lending authority at the discretion of management.
Work as a team with departmental counterparts on planning and implementing assigned projects and products.
Participate on various committees and project teams as deemed appropriate by management.
Attend and actively participate in organization, job specific training offered, and Quality Service programs.
Adhere to all applicable Policies and Procedures of BankWest organization.
Engage in community involvement.
Perform other duties as assigned.