Universal Banker

About the Role

This position provides personalized banking services to customers by performing the combined duties of a Teller and Personal Banker.

Responsibilities

• Evaluate needs of potential customers and offer appropriate financial products and services.
• Prepare and compile new customer applications to open accounts, ensuring completeness of all documentation.
• Provide ongoing relationship servicing to maintain customer goodwill and gain additional business.
• Inform and advise customers on account status, enhancements, disputes, or other activity, and suggest resolutions.
• Respond to customer inquiries and requests regarding accounts.
• Coordinate with back office personnel to resolve credit problems, delinquent payments, and related issues.
• Promote and cross-sell financial products and services tailored to customer needs.
• Assist in branch activities to meet customer needs efficiently and support profitability goals.
• Perform teller duties, including paying and receiving transactions accurately and efficiently.
• Meet monthly teller balancing standards as outlined in the Teller Over & Short Policy.
• Deliver excellent customer service 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 verifying signatures and customer balances.
• Record customer transactions in the computer and issue receipts.
• Place holds on accounts for uncollected funds.
• Explain, promote, or sell products and services to customers.
• Service automated teller machines and night depositories, including removing deposits, counting, and balancing cash.
• Comply with all applicable banking regulations, including the Bank Secrecy Act, and follow Red River Bank policies and procedures.
• Complete all required training.

Skills

• Attention to detail.
• Excellent customer service.
• Problem-solving and information analysis.
• Continuous learning and skill development.
• Managing difficult or emotional customer situations with prompt responses.
• Maintaining confidentiality.
• Clear and persuasive communication in positive or negative situations.
• Sound judgment and timely decision-making.
• Prioritization, planning, and efficient use of time.
• Accuracy and thoroughness.
• Adherence to safety and security procedures.

Qualifications

• High school diploma or GED.
• Minimum of five years of banking experience and/or training, or an equivalent combination of education and experience.
• Excellent computer skills.

Physical Demands

The employee is regularly required to use hands to finger, handle, or feel; reach with hands and arms; and talk or hear. The employee frequently stands, walks, sits, stoops, kneels, or crouches. The employee must occasionally lift and/or move up to 10 pounds. Specific vision abilities required include close vision.

Work Environment

The work environment is typically moderate in noise level.