Universal Banker

Position Description:  Universal Banker

American Bank has been a staple of the Montana Banking Community for more than 70 years. Family owned and operated, we thrive on personal touch and deep understanding of the diverse Montana community, from luxury real estate to local small business owners. Our team has the passion and experience necessary to enthusiastically meet our customer’s needs.

Come join a team that operates at the intersection of community and growth opportunity.

Reports To: Assistant Branch Manager

Position Status: Full-time, Non-exempt

Job Summary: A Universal Banker is a customer service-oriented team member who handles account opening and maintenance, phone calls and walk-ins, and occasionally helps on the teller line. They must be able to use and troubleshoot computer banking systems, maintain working knowledge of our products and services, work with other departments to handle and solve customer issues, and prioritize customer service above all.

Benefits:

• Full health insurance with access to free online resources such as estate planning, financial advice, mental health services, weight loss assistance, etc.
• Company-sponsored life insurance, short-term disability, and long-term disability policies for all full-time employees.
• 401k with up to 5% match and access to paid company advisor.
• Minimum of 28 days (5 ½ weeks) paid time off annually, including paid banking holidays.
• Competitive pay, potential for bonuses, paid volunteer hours
• Weekends and evenings off

Additional Perks:

• Be a part of a locally owned Montana community bank that values relationships and invests in the neighborhoods we serve.
• Experience ongoing training and development opportunities with our commitment to promoting from within.

Primary Job Responsibilities:

• Provide exceptional customer service above all.
• Assist new and existing customers by handling a variety of consumer and business accounts, including installment loans, checking & savings accounts, certificates of deposit, individual retirement accounts, safe deposit boxes, and other retail banking services.
  • Service and retain these customers by opening new accounts, cross-selling services, resolving issues, etc.
  • Obtain and maintain a working knowledge of all products and services sold by American Bank.
  • Perform account maintenance, prepare necessary documents. 
  • Transmit wires and ACH payments, issue debit cards, set up and troubleshoot online banking.
  • Follow up to ensure customers are satisfied.
• Review overdrawn accounts daily and contact customers to resolve by paying or returning checks.
• Answer telephones.
  • Research, troubleshoot, and resolve any customer, account, and online banking issues.
• Satisfactorily complete all required compliance bank training and comply with all regulations which apply within the scope of the position.
• Represent American Bank in a courteous, professional manner.

• Assist in setting individual goals and objectives for this position.
• Assist in the opening and/or closing of the branch.

Secondary Responsibilities:

• Assist on teller line as needed:

• Receive checks and cash for deposit to savings and checking accounts, verify deposit amounts, examine checks for endorsement and negotiability, and enter transactions into bank records via an on-line teller terminal.
• Cash checks and pay money from savings and checking accounts upon verification of signatures and customer account balances. Inspect all checks, bonds, money orders, savings withdrawals, etc. to determine their negotiability.
• Accept loan payments of all types ensuring that payments equal the amount due and that all late charges, if applicable, are collected.
• Provide bank products for customers such as money orders, cashier checks, statement copies, photocopies, stop payments, and gift cards.
• Provide information for customers regarding accounts and products upon proper verification.
• Balance cash and control negotiable items.

• Combination and key control.
• Open and process night depository, ATM and /or cash dispensers.
• Assist with internal audits.

• Perform other duties and responsibilities as directed.

Performance Expectations:

• Portray a professional image and provide prompt quality service to all customers.
• Proficient and effective operation of the telephone system, bank computer system (Microsoft Word & Excel, Jack Henry, and e-mail), calculator, photocopier, and scanner.
• Suggest all products ethically, based upon the needs of the customer and within the parameters established by American Bank.
• Develop new business through calling programs and by participating in at least one outside service organization.
• Meet the goals and objectives set by management.
• Balance cash within the designated guidelines.
• Adherence to bank policies and procedures

Skills and Abilities Required:

• Interpersonal skills to represent American Bank in a positive manner.
• Critical sensory abilities: seeing, hearing/listening, touching, and speaking.
• Mental effort requirements: reading, writing, basic arithmetic, mathematics, visualizing conclusions, analyzing data, searching for solutions, and conducting research.
• Physical dexterity requirements: operating general office equipment such as telephone, computer, coin counter, check encoder, currency counter, cash advance machine, teller capture scanner, document imaging scanner, calculator, typewriter, photocopier, and postage machine.
• Become registered on the Nationwide Mortgage Licensing System & Registry (NMLS).

Working Conditions:

• Work environment is indoors in a clean atmosphere with normal noise levels.
• Physical requirements: standing for long periods when providing customer service, sitting, walking and must be able to lift and carry 30 lbs. waist high and 20 lbs. shoulder high.
• Ability to work under time constraints and pressure is required.
• Exposure to a potentially hazardous condition – robbery. Receives detailed instructions and procedures to be followed to minimize the risk.
• Monday through Friday, 8-hour shift with one hour lunch between the hours of 7:30 AM and 6:00 PM.

Pay Grade:  8

The above statements are intended to describe the general nature and level of work being performed by people assigned to this position.  They are not intended to be construed as an exhaustive list of all responsibilities, duties and skills required of personnel so classified.