Universal Banker

About the Role

This position combines the duties of a Teller and Personal Banker to provide personalized banking services to customers, including evaluating customer needs, offering financial products, and performing transactional duties.

Responsibilities

• Evaluate needs of potential customers and offer appropriate financial products and services.
• Prepare and compile new customer applications and information to open accounts, ensuring completeness of all documentation.
• Provide ongoing relationship servicing with current customers to maintain goodwill and gain additional business.
• Inform and advise customers of account status, enhancements, and resolutions for disputes or other account activity.
• Respond to customer inquiries and requests regarding accounts.
• Coordinate with back office personnel to resolve credit problems, delinquent payment issues, and related affairs.
• Promote and cross-sell bank products and services as appropriate to customer requirements.
• Generate new business to assist in meeting profitability goals.
• Perform paying and receiving transactions efficiently and accurately.
• Meet teller balancing standards monthly as stated in the Teller Over & Short Policy.
• Deliver excellent service to all customers and assist fellow co-workers as needed.
• Receive checks and cash for deposit, verify amounts, and examine checks for endorsements.
• Cash checks and pay out money after verification of signatures and customer balances.
• Enter customer transactions into the computer to record them and issue receipts.
• Place holds on accounts for uncollected funds.
• Explain, promote, or sell products or services.
• Remove deposits from, count, and balance cash in automated teller machines and night depositories.
• Comply with all applicable banking regulations, including the Bank Secrecy Act.
• Follow Red River Bank policies and procedures.
• Attend or complete all required training.

Competencies

• Demonstrates attention to detail.
• Delivers excellent customer service.
• Identifies and resolves problems in a timely manner; gathers and analyzes information skillfully.
• Strives to continuously build knowledge and skills.
• Manages difficult or emotional customer situations; responds promptly to customer needs.
• Maintains confidentiality.
• Speaks clearly and persuasively in positive or negative situations.
• Exhibits sound and accurate judgment; makes timely decisions.
• Prioritizes and plans work activities; uses time efficiently.
• Demonstrates accuracy and thoroughness.
• Observes safety and security procedures.

Requirements

• High school diploma or general education degree (GED).
• A minimum of five years of banking experience and/or training; or equivalent combination of education and experience.
• Excellent computer skills.

Physical Demands

The physical demands described here are representative of those that must be met to successfully perform the essential functions of this job. Reasonable accommodations may be made to enable individuals with disabilities to perform these functions.

• Regularly required to use hands to finger, handle, or feel; reach with hands and arms; and talk or hear.
• Frequently required to stand, walk, sit, stoop, kneel, or crouch.
• Must occasionally lift and/or move up to 10 pounds.
• Specific vision abilities required include close vision.

Work Environment

The work environment characteristics described here are representative of those an employee encounters while performing the essential functions of this job. Reasonable accommodations may be made to enable individuals with disabilities to perform these functions.

• The noise level in the work environment is usually moderate.