Universal Banker

Job Description

Job Title: Universal Banker

Company: Austin Bank

Austin Bank is seeking a dynamic and customer-focused Universal Banker to join our team. This pivotal role involves providing comprehensive banking services, fostering strong customer relationships, and actively contributing to the overall success of the branch. The ideal candidate will be a versatile professional with a strong understanding of banking products, operations, and a commitment to delivering exceptional service.

Essential Duties and Responsibilities

Products & Sales

• Customer Consultation: Explain available products and services, guiding customers to select the most appropriate financial solutions tailored to their individual needs.
• Business Development: Proactively engage with potential and existing customers through outreach efforts to develop new business and retain valuable relationships.
• Financial Needs Assessment: Conduct thorough interviews with customers to accurately assess their financial requirements.
• Application Resolution: Correspond with or interview applicants and/or creditors to resolve any questions or discrepancies regarding application information.
• Cross-Selling Initiatives: Enthusiastically cross-sell a comprehensive range of Austin Bank’s products and services.

Customer Service

• Exceptional Service Delivery: Exhibit superior customer service as a dedicated Austin Bank team member, demonstrating high-quality relationship-building techniques.
• Customer Advocacy: Ensure customers receive the best possible solutions for their banking and financial needs, fostering a loyal and lasting relationship with Austin Bank.
• Efficient & Friendly Interactions: Provide prompt, efficient, and friendly service to all customers and potential customers.
• Transaction & Account Management:
  • Open various deposit accounts.
  • Process teller transactions accurately.
  • Take loan applications.
  • Respond to customer inquiries and resolve issues promptly.
  • Recognize and refer cross-sell opportunities as appropriate.
• Procedural Adherence: Perform all transactions according to specified guidance and prepare all required documentation meticulously.
• Communication Hub: Answer telephone calls, efficiently taking messages, forwarding calls, or providing direct assistance to customers as needed.
• Loan Approval: Approve loans within specified limits or refer complex cases to the appropriate lender for approval.
• Branch Support: Cross-train in other areas to provide comprehensive assistance and back-up as needed, ensuring uninterrupted quality customer service.

Operations & Compliance

• Team Collaboration: Actively participate in developing a cohesive teamwork atmosphere within the branch by attending meetings, contributing to discussions, treating co-workers with respect and courtesy, and supporting departmental goals.
• Regulatory Expertise: Maintain a clear and current understanding of banking regulations pertaining to both deposit and loan products.
• Documentation Integrity: Ensure all documentation on new loan and/or deposit accounts is complete and accurate, adhering strictly to bank policy.
• Work Area Organization: Maintain an organized, clean, and adequately supplied work area.
• Policy & Confidentiality: Maintain strict compliance with Bank policies, procedures, goals, and objectives, with paramount adherence to customer confidentiality.

Professional Growth and Development

• Actively enhance professional growth and development through consistent participation in education programs, staying informed with current industry literature, and attending in-service meetings.