Universal Banker 111

Job Duties

• 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.

Requirements

• Two years of similar or related experience, including time spent in preparatory positions.
• Two Years Of Previous Experience Preferred
• Two year-college degree or completion of a specialized course of study at a business or trade

Education/Certifications/Licenses

• Incumbents are required to maintain their registration active, and current, with the National Mortgage Licensing System throughout their employment.

Other Skills

• Is responsible for a width of information including but not limited to: the organizations current mortgage loan interest rates, commitment/rate lock/relock fee procedures, consumer loan products/rates/guidelines that are used in conjunction with Mortgage Lending (Execulines, second mortgage products, swing loans, land loans, etc.), Bankpro loan origination software system.

Availability

Available to work 7:45 - 5 Monday through Thursday
7:45- 5:30 Friday
7:45 – 12:30 Saturday
half day off the week that a Saturday is scheduled

Average hours worked will be 37-40 hours per week

Qualifications

• Courtesy and tact are essential elements of the job
• Excellent written and verbal communication skills
• Proficient in Microsoft Word and Excel preferred
• Attendance and reliability are crucial