Universal Banker in Palestine

Austin Bank•Palestine, TX

7d•Onsite

About The Position

The Universal Banker role involves a combination of sales, customer service, and operational duties within a branch. This position requires explaining available products and services, assisting customers in selecting the most appropriate options, and developing new or retaining existing business through customer outreach. The role emphasizes building strong customer relationships to ensure their banking and financial needs are met, fostering loyalty to Austin Bank. Key responsibilities include opening accounts, processing teller transactions, taking loan applications, responding to inquiries, resolving issues, and identifying cross-selling opportunities. The Universal Banker must also ensure all transactions and documentation are accurate and compliant with bank policies and regulations, and participate in creating a positive teamwork environment.

Requirements

Superior customer service skills.
High quality relationship building techniques.
Ability to provide prompt, efficient, and friendly service.
Proficiency in opening deposit accounts, processing teller transactions, taking loan applications, responding to customer inquiries, and resolving issues.
Ability to recognize and refer cross-sell opportunities.
Skill in performing transactions according to specified guidance and preparing required documentation.
Ability to answer telephone calls, take messages, forward calls, and provide customer assistance.
Ability to approve loans within specified limits or refer to a specified lender.
Willingness to cross-train in other areas and provide backup as needed.
Ability to participate in developing a teamwork atmosphere.
Clear understanding of banking regulations pertaining to deposit and loan products.
Ability to ensure documentation is complete and accurate.
Ability to maintain an organized and adequately supplied work area.
Adherence to bank policies, procedures, goals, and objectives.
Adherence to procedures for customer confidentiality.
Commitment to professional growth and development.

Responsibilities

Explains products/services available and assists in the selection of the most appropriate product/services for the customer.
Calls on potential or existing customers to develop new business or retain existing business.
Interviews customer to adequately perform assessment of financial needs.
Corresponds with or interviews applicant or creditors to resolve questions regarding application information.
Cross-sells the Banks’ products/services.
Exhibits superior customer service as an Austin Bank team member.
Demonstrates high quality relationship building techniques to ensure the customer receives the best possible solution to his banking and financial needs.
Helps promote a loyal relationship between the customer and Austin bank.
Provides prompt, efficient, and friendly service to customers and potentials customers.
Open deposit accounts, process teller transactions, take loan applications, respond to customer inquiries, resolve issues, recognize and refer cross-sell opportunities as appropriate.
Performs all transactions according to specified guidance and prepares all required documentation.
Answers telephone calls taking messages, forwarding calls or providing assistance to customers as needed.
Approves loans within specified limits or refers to specified lender for approval.
Cross-trains in other areas in order to provide assistance.
Provides back up as needed to insure quality customer service.
Participates in developing a teamwork atmosphere with co-workers as part of branch location by attending meetings, participating in discussions, treating co-workers with respect and courtesy, and contributing to departmental goals.
Has a clear understanding of banking regulations pertaining to deposit and loan products.
Ensures all documentation on new loan and/or deposit accounts is complete and accurate according to policy.
Maintains an organized and adequately supplied work area.
Maintains compliance with Bank policies, procedures, goals and objectives.
Adheres to procedures for customer confidentiality.
Enhances professional growth and development through participation in education programs, current literature, and in-service meetings, etc.