Universal Banker III (UB III)
Community State Bank (WI), Paddock Lake, WI, United States
Purpose
Universal Banker is responsible for transactional activity, opening and maintaining personal and business accounts, account resolutions, as well as consumer lending duties. This individual will also provide cross‑selling opportunities to current and future customers. This position is the face of the bank with the overall purpose of providing quality and efficiency to customers. This position will have a thorough understanding of the customer’s transaction requirements and be able to effectively communicate all available options to them. They will educate customers about Community State Bank’s options and refer to the appropriate products and services matching the customer needs.
Essential Duties and Responsibilities
Transactional/Customer Assistance
Process customers’ deposits, withdrawals, loan payments, loan & cash advances, cashier’s checks, money orders, and other routine requests
Routinely provide customers with necessary information and troubleshoot customer issues
Familiar with customers’ resources to be able to assist customers
Assist customers with access to safe deposit boxes, address changes, & travel notifications
Troubleshoot issues with debit cards, online banking, & account issues
Collecting information for outgoing wire transfers
Balance and maintenance ATM
Close accounts including IRA’s & HSA’s
Take loan applications and can quote rates, terms, projected payments, as well as taking care of the loan closing
Branch Responsibilities
Balance and maintenance ATM
Assist customers with access to safe deposit boxes
Opening and closing operations of branch office
Assist in cash needs for co‑workers and branch
Provide assistance to Branch Manager as needed
Cross selling
Recognize customer cues for appropriate products and services they currently may not be using
Comply and work toward the branch goals to achieve and/or exceed branch growth potential
Account Acquisition
Open personal & business accounts for new and existing customers
Perform follow up with customers
Responsible for account maintenance
Process customer account changes
Assist with loan application process
Other Activities
Ability to demonstrate compliance with all bank regulations for assigned job functions and apply to designated job responsibilities –knowledge may be gained through coursework and on‑the‑job training. Must be able to keep up to date on regulations changes. Follow all bank policies and procedures, compliance regulations, and complete all required, annual required, or job‑specific training
Promote CSB as a relationship community building financial institution with focus on volunteerism and teamwork
Provide co‑workers with positivity and provide support
Have a strong desire to train in a set of activities designed to impart knowledge and enhance job skills
Qualification Requirements
To perform this job successfully, an individual must be able to perform each essential duty satisfactorily.
Education: High school diploma or equivalent GED. Some banking or sales experience is required.
Responsibility and Decision‑Making: Recognize any suspicious behavior and can make decisions on when to consult higher management on any transactions. When the Retail Manager is out of the office, more responsibility will be required. Must be able to provide solutions and options to our customers.
Physical Demands: Ability to lift boxes of coin and work in a fast‑paced environment.
Work Environment: Fast‑paced.
Travel: This position would be working and traveling to other CSB locations in the Racine, Kenosha and Walworth counties.
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Universal Banker is responsible for transactional activity, opening and maintaining personal and business accounts, account resolutions, as well as consumer lending duties. This individual will also provide cross‑selling opportunities to current and future customers. This position is the face of the bank with the overall purpose of providing quality and efficiency to customers. This position will have a thorough understanding of the customer’s transaction requirements and be able to effectively communicate all available options to them. They will educate customers about Community State Bank’s options and refer to the appropriate products and services matching the customer needs.
Essential Duties and Responsibilities
Transactional/Customer Assistance
Process customers’ deposits, withdrawals, loan payments, loan & cash advances, cashier’s checks, money orders, and other routine requests
Routinely provide customers with necessary information and troubleshoot customer issues
Familiar with customers’ resources to be able to assist customers
Assist customers with access to safe deposit boxes, address changes, & travel notifications
Troubleshoot issues with debit cards, online banking, & account issues
Collecting information for outgoing wire transfers
Balance and maintenance ATM
Close accounts including IRA’s & HSA’s
Take loan applications and can quote rates, terms, projected payments, as well as taking care of the loan closing
Branch Responsibilities
Balance and maintenance ATM
Assist customers with access to safe deposit boxes
Opening and closing operations of branch office
Assist in cash needs for co‑workers and branch
Provide assistance to Branch Manager as needed
Cross selling
Recognize customer cues for appropriate products and services they currently may not be using
Comply and work toward the branch goals to achieve and/or exceed branch growth potential
Account Acquisition
Open personal & business accounts for new and existing customers
Perform follow up with customers
Responsible for account maintenance
Process customer account changes
Assist with loan application process
Other Activities
Ability to demonstrate compliance with all bank regulations for assigned job functions and apply to designated job responsibilities –knowledge may be gained through coursework and on‑the‑job training. Must be able to keep up to date on regulations changes. Follow all bank policies and procedures, compliance regulations, and complete all required, annual required, or job‑specific training
Promote CSB as a relationship community building financial institution with focus on volunteerism and teamwork
Provide co‑workers with positivity and provide support
Have a strong desire to train in a set of activities designed to impart knowledge and enhance job skills
Qualification Requirements
To perform this job successfully, an individual must be able to perform each essential duty satisfactorily.
Education: High school diploma or equivalent GED. Some banking or sales experience is required.
Responsibility and Decision‑Making: Recognize any suspicious behavior and can make decisions on when to consult higher management on any transactions. When the Retail Manager is out of the office, more responsibility will be required. Must be able to provide solutions and options to our customers.
Physical Demands: Ability to lift boxes of coin and work in a fast‑paced environment.
Work Environment: Fast‑paced.
Travel: This position would be working and traveling to other CSB locations in the Racine, Kenosha and Walworth counties.
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