Universal Banker

American Bank & Trust - South Dakota•Worthington, MN

9d•Onsite

About The Position

The Universal Banker role involves processing customer transactions, opening various account types, managing debit/ATM card requests, and handling night deposits. This position also requires vigilance against fraud, customer outreach for relationship building, and maintaining risk-related files. Additionally, the Universal Banker provides support to lenders by ordering necessary documentation, processing loan closings, and managing loan-related paperwork. Secondary responsibilities include fostering teamwork, community representation, and adherence to compliance procedures.

Requirements

High School Diploma or the equivalent
Strong communication skills
Customer service focused
Maintain confidentiality of customer information
Resourceful, well organized and ability to multitask
Effective problem-solving and decision-making skills
Strong attention to detail
Strong ethical focus
Balances efficiently and accurately, with quarterly offages less than 3.
Achieves a minimum of 3 referrals quarterly.

Nice To Haves

Customer service and/or retail cashier experience preferred.
Prior banking experience helpful.

Responsibilities

Process basic customer deposits/withdrawals following bank cash handling procedures.
Prepare wires and money orders for customers following bank procedures.
Maintain sufficient cash drawer funds to provide timely customer service and balance the drawer and day’s transactions according to policies.
Open and close all forms of deposit accounts, including checking, savings, certificates of deposits, IRAs, etc.
Process debit/ATM card requests – activate, close, delete, hot card, research customer issues and review reports.
Process night deposit bags and envelopes, reconcile and balance daily transactions through proof system, and assist customers with account maintenance as needed.
Assist with ATM filling and balancing, allow access to safety deposit boxes as needed.
Be on the alert for all fraud including stop payments, kiting suspects, and check alerts.
Make calls to customers as needed to meet their needs, promote products and thank them for their business.
Maintain risk related files including dormant, negative, and write off accounts, and Money Service Business, Cash Management, Merchant Source Capture, and Consumer Source Capture customers.
Providing support to lenders including ordering Title Insurance, pulling credit bureaus, UCC searches, and original flood searches. Complete Certificate of Good Standing.
Fund Commercial/Ag loans when loan tickets are required, including loan closing costs and fees paid by check.
Submit request and documents for tickler maintenance to servicing center.
Scan file documents. Maintain original signed Notes & CREM’s. Email reviewed loan worksheets and loan doc requests to Loan Servicing Center. Review all documents in coordination with the loan officer prior to signing.
Send out renewal loan packets.
May be called on to complete consumer loan documents.
Assist with loan customer phone calls and the branch level.
Develops relationships with other bank employees to enhance teamwork.
Represents Bank at various civic and community events.
Participate in Retail meetings, adhere to compliance procedures and participate in required training.
Other duties as may be assigned.