Universal Banker
Job Details
Osage branch - Osage, IA
Full Time
Universal Banker I

POSITION SUMMARY:

Services customers and their accounts, cross-selling bank products, and complying with bank operations.  Works with customers and prospective customers on deposit related, consumer and real estate loan products along with other services offered by the bank making recommendations which will satisfy the customer’s needs. This position will have the potential to travel as needed for other branch support.  

ACCOUNTABILITIES: 

Leadership:                                         

  • Answers inquiries from Retail staff.
  • Motivates personal bankers and tellers to meet their individual goals.
  • Coaches retail staff (receptionists, tellers, personal bankers), by providing training; holding retail meetings.
  • Stays up-to-date with changes in banking industry and is constantly aware of competition.
  • Willingness to participate and take a leadership role in various community activities and programs.
  • Represents First Citizens as a leader in the community and participates in community development opportunities and activities to enhance the bank’s image and maintain a referral network for business development opportunities.

Sales:                                              

  • Aggressively cross-sells bank products or services to existing and potential customers through in-person sales sessions as well as by phone, written correspondence and external sales calls.
  • Opens all types of accounts; including checking, savings, certificates of deposits, IRAs, commercial accounts, merchant services, etc.
  • Develops loan accounts (to include but not limited to consumer) by interviewing applicants, gathering financial and related data, make credit decisions up to approved credit limit and submitting files that are in excessive of credit limit through loan committee for approval process.   
  • Expands bank’s customer base, increases the bank’s visibility and enhances new business opportunities by prospecting potential customers, participating in the officer call program, participating in community affairs.
  • Provides information and referrals to customers seeking other services; including but not limited to, wealth management and mortgage.
  • Exhibits full understanding of all products, services, selling techniques and market trends.

Service:                                             

  • Manages loan portfolio and insures compliance to lending policies and procedures by monitoring customers financial condition, repayment progress, writing loan comments, making customer calls, inspecting files for and securing current information. Collect delinquent and charged off loans.
  • Completes special requests by closing accounts; taking orders for checks, exchanging foreign currencies, providing special statements, copies, and referrals; completing safe-deposit box procedures.
  • May assist in managing the bank’s overall merchant program.
  • Provide teller support in the form of over rides, training of new tellers, scheduling of tellers and review of teller transactions.
  • Reconciles cash drawer by proving cash transactions; counting and packaging currency and coins, reconciling loan coupons and other transactions; turning in excess cash and mutilated currency to lead teller; maintaining supply of cash and currency.
  • Provides account services to customers by receiving deposits and loan payments; cashing checks; issuing savings withdrawals; recording night and mail deposits; selling cashier’s checks, traveler’s checks, and Savings Bonds; answering questions in person or on the telephone; referring to other bank services.
  • Records transaction by logging cashier’s checks, money orders, traveler’s checks and other special services; preparing currency transaction reports; recording and filing cashed savings bonds.
  • Complies with bank operations and security procedures by participating in all dual-control functions and regulatory compliance; maintaining customer traffic surveys; auditing other tellers’ currency; assisting in certification of proof; preparing TT &L for transmitting to the IRS.
Other duties:                                 
  • Complies with bank operations, security, and compliance procedures by participating in all dual control functions.
  • Maintains customer confidence and protects bank operations by keeping information confidential.
  • Contributes to team effort by accomplishing related results as needed.
  • May be required to register annually with the National Registry Service providing the required information and authorization to bank management to complete fingerprinting and a background check, according to the requirements of the SAFE Act for all Mortgage Loan Originators (MLO).  Complies with the spirit and intent of this regulation by providing the resulting identifying number on all bank correspondence, loan documents, and communications with mortgage loan applicants.
  • Maintains professional and technical knowledge by attending educational workshops, reviewing professional publications, establishing personal networks, and participating in professional societies.
  • Participates in civic and community activities to generate visibility and contact for the bank.
  • Willing to be the branch “go to” regarding FCB Travel and coordinate branch customer activities.
  • Attends mandatory compliance and security sessions.  Monitors daily work for adherence to compliance and security regulations, policies/procedures, and promptly corrects any deficiencies.
 

ENVIRONMENTAL CONDITIONS:

  • Work is performed primarily indoors in an office setting.

PHYSICAL AND MENTAL DEMANDS:

  • Position accountabilities are typically performed while sitting for most of the day.  The physical and mental demands of this position are representative of those that must be met by an employee to successfully perform the essential position accountabilities.  Reasonable accommodations may be made to enable individuals with disabilities to perform the essential position and accountabilities.  First Citizens Bank reserves the right to review each requested accommodation and determine if it poses an undue hardship.

KNOWLEDGE, SKILLS AND ABILITIES

  • Greater than five years banking experience and/or bachelor’s degree or combination of.  Will consider an equivalent work experience of at least ten years in the banking or closely related field.
  • Skill in performing basic mathematical principles (such as addition, subtraction, multiplication, division, decimals) in account transactions.
  • Knowledge of the layout and functions of the computer keyboard and ten key adding machine; skill of using the touch system to perform data input.
  • Knowledge of and ability to cross-sell FCB products and services to customers-such as the ability to identify customers’ needs, communicate services, explain advantages, and close sales activity.
  • Skill in working with the public, presenting a professional image of the bank, and servicing prospective and current customer inquiries, requests, and complaints.
  • Knowledge of current compliance related issues plus new and updated regulations.
  • Basic estate and financial planning
  • Sales/Business development techniques and practices

Ability to travel independently to branch locations as requested. 

 
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