Universal Banker

SUMMARY:

The Universal Banker is the first point of contact for all clients and visitors, either in person or via phone. This position will participate in the branch's daily operations, including assisting clients with account management, completing banking transactions, and proactively participating in the sales referral process. Additionally, the Universal Banker will be cross-trained for new accounts and teller duties. The Universal Banker is professional, friendly, self-motivated, and embraces working in a diverse team environment.

ESSENTIAL DUTIES & RESPONSIBILITES:

Client Transactions – 70%

• Performs client transactions including but not limited to cashing checks, making deposits, and issuing cashier’s checks or gift cards
• Enters all transactions into the teller system and adheres to bank policies and procedures
• Processes night-drop, mail, lockbox and other miscellaneous transactions
• Assists clients with safe deposit box access per bank policies and procedures
• Performs telephone transfer of funds, accepts change orders over the phone and answers client questions regarding account balances, bank products or services
• Completes Currency Transaction Reports (CTR), when applicable
• Places a hold on funds, when applicable
• Uses available opportunities to build, maintain and strengthen client relationships through sales, referrals, and cross-selling products and services
• Supports the day-to-day operations activities of the branch as assigned, including cash vault balancing, reporting, tracking, and servicing the ATM
• Balances teller drawer at a minimum of two times per shift – striving for 100% teller balancing
• Maintains cash limits in teller drawer at all times
• Examines cash carefully to guard against acceptance of counterfeit bills
• Ensures all checks are properly endorsed by the correct party
• Remains alert and observant of physical and electronic security risks

New Accounts – 15%

• Opens personal & business accounts including savings, checking, money market, IRA, and certificates of deposit while cross-selling other products and services
• Performs account maintenance and services existing accounts
• Performs setup and maintenance of online banking, mobile banking, and bill pay
• Prepares follow-up letters and thank you cards for new account relationships
• Contacts clients two weeks after the account is opened to verify, they have received checks, debit card, etc., and cross sell additional products & services.

Administration – 15%

• Completes timely and accurate document scanning
• Answers and directs incoming calls to the appropriate party in a professional manner
• Maintains confidentiality at all times including verifying the client’s identity properly prior to providing account information
• Greets and guides visitors upon entering the Bank
• Distributes mail to the appropriate party in a timely manner
• Provides administrative support to Bank personnel
• Serves as a backup for logging, scanning and reviewing previously performed wire transfers for accuracy.

OTHER RESPONSIBILITIES:

• Assists departments throughout the Bank with special projects and functions
• Performs all job functions and interactions with fellow bank employees, clients, vendors, and prospective clients within the guidelines of the Drake Bank Vision, Mission, and Core Values: Dedicated, Reliable, Authentic, Knowledgeable, and Ethical
• Performs other duties as assigned

REGULATORY COMPLIANCE RESPONSIBILITIES:

• Continually enhances knowledge of regulatory and compliance issues through completion of all required online training and attending in-house and external training presentations
• Performs all job functions in accordance with Federal and State regulations and within banking policies

EDUCATION AND EXPERIENCE:

• High School diploma or equivalent
• 2 or more years of Teller or Personal Banking experience
• Prior cash handling experience
• General knowledge of bank products and services along with an understanding of sales and customer service in a community bank environment

KNOWLEDGE/SKILLS REQUIRED:

• Excellent verbal, written, and phone skills
• Ability to listen, speak clearly, and effectively to others
• Strong time management, attention to detail, and organizational skills with the ability to multi-task
• Exceptional customer service skills
• Ability to problem solve and work without direction
• Ability to establish and foster strong professional relationships with both internal and external clients
• Ability to calculate figures and amounts
• Accurate typing, spelling, and grammar skills
• Ability to maintain the confidentiality of client and Bank information
• Ability to promote a positive image of the Bank
• Satisfactory skillset in using the following software applications: Microsoft Outlook, Microsoft Word, Microsoft Excel, Microsoft Teams, and Fiserv applications
• Bilingual abilities are strongly preferred.

WORKING CONDITIONS, EQUIPMENT AND TOOLS USED, ENVIRONMENT and COGNITIVE /PHYSICAL DEMANDS:

• The environment for this position is mostly clean and comfortable. It may include some minor annoyances such as noise, odors, drafts, etc.
• Ability to work on a computer for an extended period of time.
• Ability to sit or stand for extended periods of time in an office setting.
• Ability to walk, stand, bend, lift (up to 50 lbs.) and move intermittently during working hours. (These physical demands may be accomplished with or without reasonable accommodations)
• Effective verbal and written communication skills including the use of phone, computer, speaking, listening, and presenting.
• Ability to problem-solve and negotiate acceptable resolutions.
• Solid math and analytical skills
• Computer literacy

At Drake Bank, people come first. Our team is focused on developing relationships with our clients to build a better future.

Our team is guided by our shared values in our mission to build a better future: Dedicated, Reliable, Authentic, Knowledgeable, and Ethical. These cornerstone values allow us to serve as a trusted community partner in helping businesses and families not only succeed but thrive.

Our vision is to continue to position Drake Bank for long-term sustainability as a local, independent community bank in the Twin Cities. In the next ten years, we are positioned for considerable growth by balancing the relationship-based high-tech, high-touch focus.

Join us in building a better future!

Drake Bank provides competitive salaries and an excellent benefits package.

Drake Bank is an Equal Opportunity Employer.