Universal Banker 111
About The Position
This position is the Customer Ambassador for the financial institution with the overall purpose of providing quality and efficiency to customers, often through digital or electronic interfaces. The Universal Banker is responsible for conducting teller transactions and cash vault transactions in an accurate and timely manner. The incumbent is also responsible for the sales and servicing of all bank products and services, solicits and develops a wide variety of residential mortgage loans. The incumbent works with the operations and sales team to achieve personal goals in the areas of deposit growth, business relationship growth, and consumer relationship growth. The incumbent also maintains current knowledge of competitor products, services, and current promotions. The incumbent is also responsible for providing operational support and exceptional customer service while maintaining essential controls and safeguards.
Requirements
- Two years of similar or related experience, including time spent in preparatory positions.
- Two year-college degree or completion of a specialized course of study at a business or trade
- Courtesy and tact are essential elements of the job
- Excellent written and verbal communication skills
- Attendance and reliability are crucial hours
Nice To Haves
- Experience with Federal Housing Authority (FHA), Veterans Affairs (VA), and Federal National Mortgage (Fannie Mae), construction loans, bridge loans, and reverse mortgage loans.
- Incumbents are required to maintain their registration active, and current, with the National Mortgage Licensing System throughout their employment.
- Two years of previous experience preferred
- Proficient in Microsoft Word and Excel preferred
Responsibilities
- Receives checks and cash for deposit to savings and checking accounts, verifies deposit amounts, examines checks for endorsement and negotiability, and posts transactions into bank records via an on-line terminal.
- Cashes check and pays money from savings and checking account upon verification of signatures and customer account balances.
- With a good understanding of the bank products/services and the customer’s current relationship, offers information on bank products and services that can benefit the customer and enhance their banking relationship.
- Evaluates needs of potential customers and offers appropriate financial products and services.
- Troubleshoots and resolves customer and internal inquiries in a timely, professional and accurate manner.
- Informs and advises customers of status or enhancements to current account productivity and suggests resolution on account disputes and other account activity.
- Solicits first mortgage loans, informs prospective loan clients of the financial institutions underwriting guidelines and government regulations
- Conducts the loan interview and secures the customer information necessary to initiate a loan transaction.
- The provides loan information and services to customers, realtors, and others as needed
- Completes each loan application and all pre-processing functions in a timely manner to permit the good faith estimate to be mailed within the requested three business day period
- Screens loan requests based on financial institution policies and on types of loans offered by the institution
- Communicates approvals or denials to the borrower
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What This Job Offers
Job Type
Full-time
Career Level
Mid Level
Education Level
Associate degree
