- Opens new accounts and cross-sells additional retail products and services.
- Services IRA Accounts. Provides maintenance services on existing accounts.
- Responds to questions from customers and staff regarding retail bank products and services.
- Maintains support records.
- Completes all arrangements and documents for direct deposit and cashes certificates of deposit.
- Maintains the safe deposit area. Duties include monitor safe deposit rental, admitting valid customers to safe deposit boxes, and performing audits of the department.
- Adheres to all State and Federal Banking regulations.
- Maintain the highest level of security in performing transactions by making sure all transactions are properly documented and recorded, verifying cash transactions, determining authenticity of all negotiable items before acceptance to established policies and procedures, and receiving proper identification to verify customer information.
- Receives checks and cash for deposit, verifies amount, and examines checks for endorsements.
- Cashes checks and pays out money after verification of signatures and customer balances.
- Enters customers' transactions into computer to record transactions, and issues computer generated receipts.
- Image and batch daily transactions
- Places hold on accounts for uncollected funds.
- Orders daily supply of cash, and counts incoming cash.
Universal Banker - West Des Moines, United States - Freedom Financial Bank
Description
Summary: Provides a full range of banking services; assessing and handling customer accounts, obtaining and processing customer account information, and cross selling bank products and services. Strives to maintain and exceed goals & expectations set for this position by the Office Manager.
Essential Duties and Responsibilities include the following. Other duties may be assigned.
Personal Banker
b. Explains checking, savings and money market accounts and certificates of deposit (CD) to customers.
c. Gathers, inputs, and verifies required personal information from customers, such as name, address, employment information, social security number, etc., according to established procedures while maintaining the highest level of security
d. Prepares and reviews new account paperwork with customer.
e. Receives and process initial deposits of cash, transfer of funds from other accounts, and/or sight drafts. Verifies all cash transactions and ensures authenticity of all negotiable items before acceptance according to policies and procedures.
f. Refers new business customers to Commercial Lenders for additional bank services.
g. Follows-up with new and existing customers to cross sell all banking products and services.
b. Handles Individual Retirement Account inquiries and transactions.
c. Informs customers of retirement account legal restrictions.
d. Gathers and inputs necessary personal information from customers.
e. Prepares documents such as trust/custodian agreement, disclosure statements, CDS, signature cards, etc.
f. Processes IRA distributions and verifies coding of accounts.
g. Processes mail requests from other financial institutions for IRA transfers.
b. Processes check orders, deposits, withdrawal slips, debit card applications, and answers questions regarding internet banking and bill pay.
c. Keeps informed of new and existing products and services.
d. Process customer change of address, name, and account related data, etc.
b. Follows up on incomplete new account documentation.
c. Files new account applications.
d. Make courtesy phone call to maturing CD customers.
Balances currency, coin, and checks in cash drawer at end of shift and compares totaled amounts with data displayed on computer screen.
9. Maintain knowledge of various departments' services and functions in order to assist customers and make sales referrals.10.
Explains, promotes, or sells products or services such as money orders, cashier's checks, and other bank products, which will meet customer needs and increase bank business.
11. Removes deposits from, and counts and balances cash in night depository and balances the ATM.12. Assist customers with service problems or general inquires both in person and telephone while strengthening customer relations.
13. File new account paperwork
14. Adheres to all State and Federal Banking regulations.
15. Participates in civic activities to promote growth and development of the community and a positive image of the bank.
Competencies
To perform the job successfully, an individual should demonstrate the following competencies:
Problem Solving - Identifies and resolves problems in a timely manner; Gathers and analyzes information skillfully; Develops alternative solutions; Works well in group problem solving situations; Uses reason even when dealing with emotional topics.
Technical Skills - Assesses own strengths and weaknesses; Pursues training and development opportunities; Strives to continuously build knowledge and skills; Shares expertise with others.
Customer Service - Manages difficult or emotional customer situations; Responds promptly to customer needs; Solicits customer feedback to improve service; Responds to requests for service and assistance; Meets commitments.
Interpersonal Skills - Focuses on solving conflict, not blaming; Maintains confidentiality; Listens to others without interrupting; Keeps emotions under control; Remains open to others' ideas and tries new things.
Oral Communication - Speaks clearly and persuasively in positive or negative situations; Listens and gets clarification; Responds well to questions; Demonstrates group presentation skills; Participates in meetings.
Written Communication - Writes clearly and informatively; Edits work for spelling and grammar; Varies writing style to meet needs; Presents numerical data effectively; Able to read and interpret written information.
Teamwork - Balances team and individual responsibilities; Exhibits objectivity and openness to others' views; Gives and welcomes feedback; Contributes to building a positive team spirit; Puts success of team above own interests; Able to build morale and group commitments to goals and objectives; Supports everyone's efforts to succeed.
Diversity - Demonstrates knowledge of EEO policy; Shows respect and sensitivity for cultural differences; Educates others on the value of diversity; Promotes a harassment-free environment; Builds a diverse workforce.
Ethics - Treats people with respect; Keeps commitments; Inspires the trust of others; Works with integrity and ethically; Upholds organizational values.
Organizational Support - Follows policies and procedures; Completes administrative tasks correctly and on time; Supports organization's goals and values; Benefits organization through outside activities; Supports affirmative action and respects diversity.
Judgment - Displays willingness to make decisions; Exhibits sound and accurate judgment; Supports and explains reasoning for decisions; Includes appropriate people in decision-making process; Makes timely decisions.
Motivation - Sets and achieves challenging goals; Demonstrates persistence and overcomes obstacles; Measures self against standard of excellence; Takes calculated risks to accomplish goals.
Planning/Organizing - Prioritizes and plans work activities; Uses time efficiently; Plans for additional resources; Sets goals and objectives; Develops realistic action plans.
Professionalism - Approaches others in a tactful manner; Reacts well under pressure; Treats others with respect and consideration regardless of their status or position; Accepts responsibility for own actions; Follows through on commitments.
Quality - Demonstrates accuracy and thoroughness; Looks for ways to improve and promote quality; Applies feedback to improve performance; Monitors own work to ensure quality.
Safety and Security - Observes safety and security procedures; Determines appropriate action beyond guidelines; Reports potentially unsafe conditions; Uses equipment and materials properly.
Adaptability - Adapts to changes in the work environment; Manages competing demands; Changes approach or method to best fit the situation; Able to deal with frequent change, delays, or unexpected events.
Attendance/Punctuality - Is consistently at work and on time; Ensures work responsibilities are covered when absent; Arrives at meetings and appointments on time.
Dependability - Follows instructions, responds to management direction; Takes responsibility for own actions; Keeps commitments; Commits to long hours of work when necessary to reach goals.
Initiative - Volunteers readily; Undertakes self-development activities; Seeks increased responsibilities; Takes independent actions and calculated risks; Looks for and takes advantage of opportunities; Asks for and offers help when needed.
Innovation - Displays original thinking and creativity; Meets challenges with resourcefulness; Generates suggestions for improving work; Develops innovative approaches and ideas; Presents ideas and information in a manner that gets others' attention.
Qualifications:
To perform this job successfully, an individual must be able to perform each essential duty satisfactorily. The requirements listed below are representative of the knowledge, skill, and/or ability required. Reasonable accommodations may be made to enable individuals with disabilities to perform the essential functions.
Education and/or Experience
High school diploma or general education degree (GED). At least one year of Banking experience. Prefer Consumer Lending experience or willingness to learn.
Language Skills
Ability to read and comprehend simple instructions, short correspondence, and memos. Ability to write simple correspondence.
Ability to effectively present information in one-on-one and small group situations to customers, clients, and other employees of the organization.
Mathematical Skills
Ability to add, subtract, multiply, and divide. Ability to compute rate, ratio, and percent.
Reasoning Ability
Ability to apply common sense understanding to carry out instructions furnished in written, oral, or diagram form. Ability to deal with problems involving several concrete variables in standardized situations.
Computer Skills
To perform this job successfully, an individual should have knowledge of Spreadsheet software, Word Processing software, Internet, and e-mail. Prefer 10 Key experience.
Other Skills and Abilities
Must be able to make timely decisions exhibiting sound and accurate judgment.
The ability to recognize referral opportunities with new and existing customers and the ability to make those referrals.
Prefer knowledge of Cash Management and CDARS/ICS products.
Other Qualifications
Must be available to work 7:45 am-5:15 pm Monday-Friday and rotating Saturdays 8:45 am-12:15 pm
Must have reliable transportation and be able to drive to all bank locations using own transportation.
Physical Demands The physical demands described here are representative of those that must be met by an employee to successfully perform the essential functions of this job. Reasonable accommodations may be made to enable individuals with disabilities to perform the essential functions.
While performing the duties of this Job, the employee is regularly required to sit; use hands to finger, handle, or feel; reach with hands and arms and talk or hear.
Work Environment The work environment characteristics described here are representative of those an employee encounters while performing the essential functions of this job.
The noise level in the work environment is usually moderate.
Freedom Financial Bank is an Equal Opportunity Employer and all qualified applicants will receive consideration for employment without regard to race, color, religion, national origin, ancestry, pregnancy status, sex, age, marital status, medical conditions, sexual orientation, gender identity or expression, veteran and/or disability status.