Universal Banker-Pagedale

Midwest Bank Centre•St. Louis, MO

1d•Onsite

About The Position

The Universal Banker engages with customers to establish rapport and encourage further engagement, while also assisting the team in achieving branch goals. This role requires providing excellent customer service, maintaining flexibility for branch staffing needs, and working independently to manage time effectively. The Universal Banker must follow policies and procedures, maintain accuracy, and contribute to branch meetings and culture. A key aspect of this role is promoting products and services based on customer needs, understanding their financial goals, and providing consultative advice. This includes assisting with account opening and maintenance, processing consumer loan applications and closings, and supporting digital banking solutions. The role also involves teller transaction processing, handling in-bound and out-bound calls, making referrals to business partners, and adhering to federal banking regulations such as BSA, USA Patriot Act, AML, and Notary Public requirements. The employee must stay aware of and adhere to the Bank's compliance requirements, risk management concepts, policies, and procedures.

Requirements

High School Diploma (or equivalent) is required
Exceptional interpersonal and communication skills, with the ability to build rapport and engage clients effectively
Technologically savvy with the ability to quickly learn and adapt to new systems and software
Problem-solving mindset and the ability to think critically under pressure
Excellent attention to detail and organizational skills
Ability to work independently, as well as collaborate effectively within a team environment
Flexibility to work some weekends and evenings, as per business needs
Willing and able to work required overtime
Generally, the position will require 40 hours per week
Evenings and weekends may be required as necessary

Nice To Haves

Associates or Bachelor's degree preferred
A minimum of two years bank customer contact or retail sales experience preferred

Responsibilities

Engage with customers and establish rapport that encourages further engagement
Assist team in achieving branch goals
Provide excellent customer service
Remain flexible to accommodate branch staffing needs
Work independently and manage their time
Follow policies and procedures, maintain accuracy
Follow through on daily, weekly and monthly tasks
Contribute to branch meetings and culture
Promote products and services based on customer's needs
Understand each customer’s financial goals and provide consultative advice to help them achieve their goals
Go beyond basic transactional interactions to derive complete solutions tailored to each customer’s unique situation
Assist with account opening and account maintenance including completion of consumer loan applications and closings
Support and promote digital banking with knowledge of all online and app-based banking solutions
Assist customers with processing transactions, such as deposits, withdrawals, or payments
Resolve complaints or account discrepancies and answer questions
Maintain and balance cash drawers and reconcile discrepancies
Assist with account maintenance including completion of credit card applications
Be proactive, using contact management methodology to build relationships over time
Identify opportunities for expanding customer relationships
Make next-best product recommendations
Solve issues or problems before they arise
Connect customers to experienced banking partners when appropriate
Meet quarterly banker minimum standards
Participate in sales, service and product training meetings and MBC@Work presentations
Gain knowledge of and adhere to BSA, USA Patriot Act, AML, and Notary Public
Maintain awareness of and adherence to Bank’s compliance requirements and risk management concepts, expectations, policies, and procedures and apply them to daily tasks