Universal Banker (Personal Banker) - Kahala Branch

About the role

Universal Bankers are responsible for performing sales, servicing, and operational functions in a branch environment. They assist in managing an assigned portfolio of High Value Clients (HVC) to build and retain customer relationships. They identify potential customer banking needs and cross-sell other bank products and services; they also refer customers to specialists as appropriate. They are responsible for meeting assigned operational, cross-sale, and referral goals.

Responsibilities

• Absolutely aligns with the Company's Core Values of a "Voyaging Spirit" and "Positively Ohana" in all actions.
• Exhibits core competencies resulting in consistent delivery of positive Customer Interactions, Empowerment, and Ownership.
• Demonstrates key professional and performance skills such as Active Listening, effective Oral and Written Communication, Action and Solution-Oriented, and Thoroughness.
• Sales/Servicing:
  • Accepts secured and unsecured consumer loan and personal lines of credit applications.
  • Opens all types of consumer and business deposit products and related services.
  • Profiles customers while opening or servicing deposit accounts to determine needs.
  • Participates in customer retention programs to build and retain customer relationships and find opportunities to acquire new relationships.
  • Manages a portfolio of HVC customers to build and retain customer relationships.
  • Analyzes tax returns and financial statements.
  • Participates in branch or bank-wide campaigns.
  • Actively cross-sells and refers customers to the appropriate business partners.
  • Achieves all individual/branch goals as assigned, which may include deposit, loan, and portfolio growth goals; revenue & risk management targets.
• Operational Effectiveness and Service Delivery:
  • Manages risk and takes prompt action in event of discovery of any loss or irregularities in the handling of transaction documents, accounts, or company assets.
  • Purchase and sell cash to/from vault, assist in the replenishment of cash dispensers.
  • Processes various transactions including but not limited to deposits, withdrawals, various payments, cash advances, U.S. Savings Bonds applications/redemptions, check cashing placing stops, cautions & holds, foreign currency exchange with minimal errors; balance teller cash on a daily basis.
  • Must be able to move and lift items up to 20lbs and perform other light physical work.
  • Must be able to operate standard office equipment, including phone, personal computer, copier, etc.
  • Must be able to clearly communicate verbally and in writing with all internal and external customers.
  • Must be able to hear sufficiently to engage in daily discussions and interactions.
  • Must be able to read and understand bank-related documents.
  • Must be able to work in a conventional office setting, involving sitting at a desk or workstation for long periods of time.
  • Must also be able to adapt to different work environments as needed to perform the job.

Requirements

• Education: UB I: High School Diploma or equivalent required. UB II: Bachelor’s Degree from an accredited university. Relevant work experience may substitute for the degree requirement.
• UB I Experience Requirements: 1+ year(s) of demonstrated success in sales and customer service. 1+ year(s) of branch operations experience or successful completion of teller and new account certification within 6 months of hire.
• UB II Experience Requirements: 2+ years of branch/bank operations experience and sales of retail financial products. 1+ year(s) of experience explaining credit products, accepting/closing consumer and business loan applications.

Qualifications

• Registration with the Nationwide Mortgage Licensing System & Registry (NMLS) is required prior to performing any duties of a Mortgage Loan Originator (MLO), if applicable.
• Notary Public commission preferred.