Universal Banker

JOB SUMMARY: Primarily responsible for performing duties in support of operational activities and financial services for the office, including customer service transactions at the teller line, processing all new account transactions; assisting customers in their selection of various accounts and financial services; cross-selling the bank’s products and services; opening, maintaining and closing of all account types; performing office clerical duties as needed; promoting business for the bank by maintaining good customer relations and referring customers to appropriate staff for new business; and greeting the customer both in person and by phone in a courteous and professional manner.

Duties/Essential Job Functions

• Answer the telephone in a professional manner and direct the customer to the correct area for service.
• Assist customers day to day transactions at the teller line
• Assist or direct customers to the appropriate person with questions regarding internet/online banking, telephone banking, debit cards and other technology issues.
• Interview customer for new accounts by obtaining the appropriate information to determine the appropriate product and/or service to present.
• Run credit bureau reports as necessary through Trans Union.
• For account openings (using BPM, Business Process Manager) prepare the appropriate documentation, receive initial account deposit, and ensure that all new accounts are properly processed and comply with Federal and State regulations.
• IRAs: new accounts, distributions, transfers, beneficiary IRAs.
• Set up Retail Online (consumer) banking records/access ID & passwords (Access Manager/Connect 3)
• Set up Online Business accounts, ACH, Remote Deposit Capture, and Mobile capture.
• Respond to bill payment issues (CheckFree Partner Care).
• Cross sell appropriate products to perspective customers.
• On a daily basis perform backup Customer Service Representative duties (lobby, drive up and scanning) as needed.
• Assist in staffing and travel to other office locations when needed.
• Assist officers in other administrative duties or projects as needed.
• Refers customer to the Investment Center when appropriate for the sale of mutual funds, annuities, and bonds.
• Maintains professional community relations to increase the bank’s visibility and new business opportunities, and to further personal development.
• At any time other duties may be required as deemed necessary to fulfill the responsibilities of this position.

• High School diploma or plus additional training equal to two years of college or comparable work experience.
• Ability to use computer and programs such as Microsoft Word, Excel, and Email
• One year of previous bank experience
• Six months of customer service experience
• Must possess effective verbal and written communication skills
• Must possess effective interpersonal skills
• Ability to operate and communicate on standard telephone equipment.
• Possess a thorough knowledge of various bank products
• Possess effective problem-solving skills
• Possess effective listening skills
• Possess previous sales experience

RESPONSIBILITIES FOR COMPLIANCE: The employee agrees to comply with all Farmers Savings Bank policies and procedures including federal and state rules and regulations.

Organization

• Initiate changes in the basic organization structure and complement the planning function in order to accomplish objectives developed in concert with supervisor.
• Recommend new work procedures and systems to accomplish planning and bank development objectives more efficiently.

• Responsible to Customer Service Manager for the fulfillment of his or her functions and responsibilities and authority for their proper interpretation.
• Will have contact with customers, the public and the community, and is to conduct relationships in a manner that will enhance the overall marketing effort of the bank.
• Will be called upon from time to time to participate with community organizations and in community projects.
• Bank employment to be main and sole employment. Any “moonlighting” to be approved by Supervisor, and President/CEO.

• Position to be evaluated after first three months, and annually thereafter.
• Areas of accountability to include all areas mentioned above with specific emphasis of performance in:
• Performance of duties
• Organization
• Relationships
• Overall production