Universal Banker

Come Grow with Us and Join an Award-Winning Organization! Stearns Bank is looking for a Universal Banker. This is an in-person position based out of our branch location in Upsala, Minnesota. 

JOB SUMMARY

Process a broad range of financial transactions including check cashing, withdrawals, deposits, and loan payments. Sell and cross-sell a full range of banking services to present and potential customers. Responsible for efficient and courteous service, on the phone and in person, with both internal and external customers. Provides a broad base of financial deposit services, refers other bank products and services with a goal of acquiring 100% of the customer’s business. 

Starting wage of $20.00/hour. Employment offers will be dependent upon the selected candidate’s relevant qualifications and experience.

RESPONSIBILITIES

• Greet and direct customers promptly and professionally.
• Sell, explain, and open deposit accounts for both personal and business customers and prepare all related documentation.
• Cross sell bank products and services.
• Process commercial and consumer checking deposits, verifying cash and accurate endorsement of items.
• Process savings deposits and withdrawals, verifying cash, endorsements, and signatures.
• Accept checks presented for cash following the check cashing policy and verifying identification.
• Accept installment and commercial payments.
• Process advances for personal and home equity lines of credit.
• Handle U.S. Savings redemption transactions.
• Issue cashier checks, money orders, gift cards, and credit card cash advances.
• Issue debit cards make changes and close as requested.
• Accept check re-orders and address changes.
• Process dormant and inactive account transactions according to bank policy.
• Manage and balance cash drawer.
• Assist with opening and closing of the bank facility by accessing security system, recording, and processing night deposit bags / envelopes.
• Maintain bank security by following policy, which includes internal security, transaction security, and robbery procedures.
• Process any of the following: Incoming mail deposits and payments; Loan deposits; signature cards; transfers, and coin orders.
• Perform ATM duties.
• Print daily reports & notices.
• Assist in applying postage to the bank’s outgoing mail.
• Scan & index account forms in M-Files.
• Perform Canadian exchange for customers.
• Actively interact with customers, prospects, and coworkers to build strong business relationships.
• Develop strong understanding of products, services, sales skills, and service standards.
• Assist customers with request and/or concerns by phone and in person, delegating research and resolution.
• Make individual and joint outbound sales calls (phone and face-to-face) on existing and potential customers.
• Initiate customer courtesy calls on all accounts opened to ensure customer satisfaction.
• Follow-up on closed accounts to understand reason for closing.
• Participate in Stearns Bank sales/referral promotions.
• Assist with deposit product training with new and existing employees.
• Maintain file on assigned competitor and monitor rates, pricing, product changes, etc.
• Participate in Saturday duty when needed.
• Maintain solid understanding of all legal and regulatory compliance issues as they pertain to this position.
• Loss prevention and security as applicable for this position.
• Complete required training.
• Maintain confidentiality of customer accounts.
• Other projects as assigned. 

REQUIREMENTS

• Occasionally lift and/or move up to 25 lbs.
• Literacy in English.
• Ability to sit for extended periods of time, twist, bend, sit, walk use hands to twist, handle or feel objects, tools, or controls, such as computer mouse, computer keyboard, calculator, stapler, telephone, staple puller, etc., reach with hands and arms, balance, stoop, kneel, talk, or hear.
• Specific vision abilities required by the job include close vision, distance vision, peripheral vision, depth perception and the ability to adjust focus.

QUALIFICATIONS

• Associate degree (A.A.) or equivalent from a two-year college or technical school; or one to two years related experience or equivalent combination of education and experience.
• At least one-year sales experience, preferably in financial institution.
• Excellent communication and int