Universal Banker

American Bank Montana • Bozeman, MT

3d • Onsite

About The Position

The Universal Banker is a resourceful, customer service-oriented person who handles many different complex banking products and services. People in this role must be able to troubleshoot computer banking systems, handle and solve novel banking problems, and use their resourcefulness to seek out quick guidance to ensure customer satisfaction.

Requirements

• High school diploma, GED, or equivalent diploma
• Ability to portray a professional image and provide prompt and friendly quality service to all customers.
• Ability to open, close and perform maintenance on all deposit account products.
• Balancing cash within the designated guidelines.
• Proficient and effective operation office equipment and bank systems including Microsoft Office and Jack Henry.

Nice To Haves

• Notary or ability to obtain in 6 months of employment

Responsibilities

• Represent American Bank in a courteous, professional manner.
• Obtain and maintain a working understanding of all products and services sold by American Bank.
• Interview customers who come into the bank seeking banking services. Handles the details of transactions. Prepares necessary documents. Follows up to ascertain that all documents are completed and returned and that customers are satisfied.
• Handle accounts, including installment loans, checking, savings, certificates of deposit, individual retirement accounts, and other retail banking services. Services these accounts by making loans, opening new accounts, cross-selling services, resolving problems and so on.
• Contact current bank customers to solicit new business in person, by mail or phone to meet specific goals as outlined for each personal banker to expand retail bank services. Is responsible for attaining established monthly and yearly loan and deposit goals.
• Review overdrawn checking accounts daily for paying or returning checks or closing accounts. Contacts customers for disposition of accounts.
• Resolve customer problems. Obtains information, research records and follows up on details to resolve the matter to the customer’s satisfaction.
• Perform all account maintenance activities requested by customers and management.
• Receive checks and cash for deposit to savings and checking accounts, verify deposit amounts, examine checks for endorsement and negotiability, and enter transactions into bank records via an on-line teller terminal
• Cash checks and pay money from savings and checking accounts upon verification of signatures and customer account balances. Inspect all checks, bonds, money orders, savings withdrawals, etc. to determine their negotiability.
• Accept loan payments of all types ensuring that payments equal the amount due and that all late charges, if applicable, are collected.
• Sell bank products for fee income. Examples include: Money Orders Statement Copies Cashier Checks Photocopies Stop Payments Gift Cards
• Redeem cash items for deposit or cash. An example is Savings Bonds.
• Provide information for customers regarding accounts and products upon proper verification.
• Answer phone calls promptly, delivering exceptional customer service by addressing inquiries, resolving issues, and ensuring a positive customer caller experience.
• Balance cash and negotiable items.
• Maintain cash within established limits to reduce the bank’s exposure to loss.
• Assist in the opening and/or closing of the branch.
• Maintain combination and key control.
• Opening and processing night depository, ATM and /or cash dispensers.
• Control of negotiable instruments.
• Perform other duties and responsibilities as directed to include supporting the teller line.

Benefits

• Comprehensive Health Insurance (Medical, Dental, Vision)
• Company-Sponsored and Voluntary supplemental insurance options (Life, Disability, Accident, & more)
• 401k (5% match!)
• Paid Time Off + 11 Paid Banking Holidays + Paid Volunteer Time Off
• Paid On-the-Job Training!
• Continuing education and development opportunities.
• Work alongside coworkers who are dedicated to building strong relationships and investing in the neighborhoods we proudly serve.
• Discounted banking products, and numerous other employee perks!

What This Job Offers

• Job Type: Full-time
• Career Level: Entry Level
• Education Level: High school or GED