Universal Banker II

Merchants Bank•Apple Valley, MN

12d•$23 - $27•Onsite

About The Position

Merchants Bank is hiring a Universal Banker II for its Apple Valley location. The Universal Banker provides exceptional customer service and proactively offers banking products and services to meet customers’ financial needs. The role serves as a primary customer contact, handling inquiries and financial transactions, opening and maintaining accounts and safe deposit boxes, recommending products, building customer relationships, and helping prevent fraud. Level II bankers perform all Level I duties and are additionally proficient in opening and maintaining business accounts, IRAs, HSAs, and CDs; consumer credit card and overdraft protection lending; and community engagement and external sales activities as directed. The role may include branch administrative or Lead Teller duties. This is a full-time position working 40 hours per week. Hours vary to cover branch hours and include a Saturday morning rotation; occasional shifts may be at nearby branches. The position reports directly to the Universal Banking Manager or Retail Banking Manager, depending on the market, with performance and direction engagement from the Market President. The work takes place in a climate-controlled indoor environment with low noise and no environmental hazards or chemicals. The role involves extensive computer use and regularly requires sitting and standing; employees may occasionally lift or move up to 35 pounds.

Requirements

At least 6 months of front-line banking experience for Level II.
High school diploma or equivalent.
Strong customer-service experience and skills, including the ability to handle difficult customer situations.
Strong communication and interpersonal skills, with tact and professionalism.
Ability to work onsite and adhere to a work schedule, with flexibility for varied shifts and hours including Saturdays.
Strong time-management skills and ability to multitask and prioritize.
Strong math skills and attention to detail.
Strong computer-system proficiency and ability to learn and follow established regulatory and compliance guidelines, policies, and procedures.
Ability to use sound judgment, communicate clearly with customers and employees, and escalate concerns when needed.
Ability to recognize and speak up about concerning behavior by a coworker or customer.
Genuine interest in engaging customers to identify needs and offer appropriate product and service solutions.

Nice To Haves

Additional banking experience.
Cash-handling experience.

Responsibilities

Provide efficient, accurate, personalized customer service; understand customer needs, offer solutions, resolve concerns, and escalate issues when appropriate.
Open and maintain basic deposit accounts and Level II accounts, including business accounts, IRAs, HSAs, and CDs; handle account inquiries, changes, documentation, and closures.
Open, close, and maintain safe deposit boxes.
Process banking transactions in the Teller area as needed, including deposits, loan payments, check cashing, withdrawals, night deposits, cashier’s checks, and money orders; balance the cash drawer and maintain cash and coin supplies.
Recommend and promote banking products and services, educate customers about product features and terms, and meet or exceed individual sales targets.
Conduct outbound sales activities, including prospecting, lead generation, and follow-up, as directed; contribute to branch sales goals and attend external customer meetings as requested.
Build and maintain strong customer relationships and long-term loyalty, and collaborate effectively with coworkers and other bank teams.
Assist customers with internet banking, bill pay, e-statements, mobile banking, telephone banking, and other systems.
Maintain product knowledge and stay informed about industry trends, regulatory changes, and competitive offerings.
Complete compliance training and certifications; follow bank policies, procedures, controls, and regulatory guidelines; protect customer information and bank assets and help prevent fraud.
Collect privacy codes or security words and update customer email addresses and contact numbers.
Perform account and branch administrative and operational tasks, update central-file information, submit customer workflow requests, and review daily overdraft reports.
Maintain security and audit requirements for the work area and branch, and keep the work area neat and organized.
Participate in trade shows, promotional events, marketing activities, and community activities as requested, including evenings and weekends.
Cross-train for additional duties, accept supervisory guidance, maintain dependable on-time attendance, and perform other assigned duties.