Universal Banker

Centier Bank•Crown Point, IN

About The Position

As a front-line client ambassador for Centier, the Universal Banker is cross-trained to provide a remarkable client experience. The role involves understanding clients’ transaction requirements, communicating available options, educating clients, retaining and deepening client relationships, and recommending relevant bank products and services. The Universal Banker participates in daily branch operations, including account opening and management, financial service needs, and account maintenance. The position completes client transactions accurately and efficiently, maintains records, and handles assigned funds responsibly. It participates in the branch’s servant sales process and helps implement sales tactics. The role also has supervisory responsibilities, supports operational and sales goals, mentors and trains associates, and may work evenings, some weekends, and at other branches as needed.

Requirements

High school diploma.
At least 3 years of previous banking experience.
Experience with new accounts, lending, and teller duties.
At least 2 years of proven sales experience.
Working knowledge of PC software and bank-approved systems, including MS Windows, Office, Outlook, Word, Excel, PowerPoint, Bookings, SharePoint, social media platforms, CSI NuPoint, IMM, Covalent, Power BI, and Smartsheet.
Ability to proofread and verify written materials.
High attention to detail and accuracy.
Ability to enter and retrieve computer data, sort documents, and follow logical instructions and systems.
Ability to use tactile judgment to verify currency authenticity.
Ability to work well with others and in a team environment.
Ability to understand client problems through listening, consider options, and recommend and implement solutions.
Consultative skills to identify clients’ financial needs and recommend solutions.
Ability to adopt new technology, system conversions, and software rollouts successfully.
Ability to interact with business partners, including Investment Services, Mortgage, and Business Banking sales professionals.
Demonstrated ability to work and lead within a team environment.
Demonstrated comprehension of consumer credit, including loan-to-value, debt-to-income, and credit reports.

Responsibilities

Provide friendly, positive, professional, and high-quality service to clients.
Build rapport, identify client needs, explain and recommend solutions, address objections, and seek clients’ business.
Promote and advise clients on the bank’s products, services, and digital delivery channels.
Perform teller transactions, including accepting deposits and loan payments, verifying cash and endorsements, cashing checks within authorized limits, issuing money orders and official checks, and redeeming savings bonds.
Count the cash drawer daily, balance it, and investigate discrepancies.
Follow BSA/AML/OFAC requirements and report suspicious activity or clients to management or the Security Department.
Protect confidential client information and resolve client problems and complaints promptly.
Help verify currency shipments and drop-off and night-drop deposits; balance cash machines, the branch ATM, and vault.
Assist associates with drawer balancing and error identification.
Complete client onboarding and outbound follow-up calls related to client conversations and sales opportunities.
Work toward individual, branch, and organizational goals and communicate progress to the manager.
Maintain current knowledge of the bank’s products and services and seek further development when needed.
Represent Centier through virtual or community involvement, external initiatives, and volunteerism, and log volunteer hours.
Participate in personal development, online learning, and internal or external training.
Refer clients to specialists in other lines of business when appropriate.
Conduct promotional activities such as PA’s and aisle time, if applicable.
Maintain professional appearance and conduct, an orderly work area and branch, and comply with the Clean Desk Policy.
Follow Centier’s Mission, Essentials of Excellence, and Values.
Use independent judgment and sound decision-making to limit risk to clients and the bank.
Open and close branch facilities properly.
Build relationships with clients, associates, branches, departments, and external organizations.
Assist with strategies to meet or exceed branch goals and increase market and wallet share.
Participate in and help oversee the Servant Sales process according to established guidelines.
Counsel clients on financial needs, open accounts, and originate and close loans.
Compile consumer loan applications, manage them through closure or denial, and communicate appropriately with clients.
Mentor fellow associates on tasks and assignments.
Work evenings, some weekends, and at other branches as needed.
Assist management with operational duties, including transaction approvals, lunch schedules, signing official checks, and other duties needed to balance sales and operations.
Train and onboard associates as a Branch New Account Mentor.
Assist with observing, coaching, and training associates to support their growth and development.