Universal Banker-Imperial

Midwest Bank Centre•Imperial, MO

1d•Onsite

About The Position

Engage with customers and establish rapport that encourages further engagement. Assist the team in achieving branch goals, provide excellent customer service, and remain flexible to accommodate branch staffing needs. This role requires working independently, managing time effectively, following policies and procedures with accuracy, and contributing to branch meetings and culture. The Universal Banker will promote products and services based on customer needs, understand their financial goals, and provide consultative advice. They will be responsible for account opening and maintenance, including consumer loan applications and closings. A strong understanding of digital systems and their functionality is essential for supporting and promoting digital banking solutions, including online and mobile banking setup, and assisting customers with various digital tools. The role also involves processing teller transactions, maintaining and balancing cash drawers, and resolving discrepancies. In-bound and out-bound call handling is crucial for building relationships, identifying opportunities, making product recommendations, and solving issues proactively. Referrals to business partners are necessary to ensure customers can accomplish all their financial needs within Midwest BankCentre. The Universal Banker will also assist the team in achieving branch goals by meeting quarterly standards and participating in training. A thorough understanding of federal banking regulations, including BSA, USA Patriot Act, AML, and Notary Public, is required, along with adherence to the bank's compliance requirements and risk management concepts.

Requirements

High School Diploma (or equivalent) is required
Exceptional interpersonal and communication skills, with the ability to build rapport and engage clients effectively
Technologically savvy with the ability to quickly learn and adapt to new systems and software
Problem-solving mindset and the ability to think critically under pressure
Excellent attention to detail and organizational skills
Ability to work independently, as well as collaborate effectively within a team environment
Willing and able to travel to other locations/branches
Willing and able to work required overtime
Generally, the position will require 40 hours per week
Evenings and weekends may be required as necessary
Regularly required to talk or hear
Ability to lift files, open filing cabinets and bend or stand on a stool as necessary

Nice To Haves

Associates or Bachelor's degree preferred
A minimum of two years bank customer contact or retail sales experience preferred

Responsibilities

Engage with customers and establish rapport that encourages further engagement
Assist team in achieving branch goals
Provide excellent customer service
Remain flexible to accommodate branch staffing needs
Work independently and manage their time
Follow policies and procedures, maintain accuracy
Follow through on daily, weekly and monthly tasks
Contribute to branch meetings and culture
Promote products and services based on customer's needs
Understand each customer’s financial goals and provide consultative advice to help them achieve their goals
Go beyond basic transactional interactions to derive complete solutions tailored to each customer’s unique situation
Assist with account opening and account maintenance including completion of consumer loan applications and closings
Support and promote digital banking with knowledge of all online and app-based banking solutions, online/mobile banking setup, login, and password resets
Offer advice in using various digital solutions like bill pay, mobile deposit, alerts, online transfers, payments, etc.
Assist customers with processing transactions, such as deposits, withdrawals, or payments
Resolve complaints or account discrepancies and answer questions
Maintain and balance cash drawers and reconcile discrepancies
Assist with account maintenance including completion of credit card applications
Be proactive, using contact management methodology to build relationships over time
Identify opportunities for expanding customer relationships
Make next-best product recommendations
Solve issues or problems before they arise
Connect customers to experienced banking partners when appropriate
Meet quarterly banker minimum standards
Participate in sales, service and product training meetings and MBC@Work presentations
Gain knowledge of and adhere to BSA, USA Patriot Act, AML, and Notary Public
Maintain awareness of and adherence to Bank’s compliance requirements and risk management concepts, expectations, policies, and procedures and apply them to daily tasks