Universal Banker Job Des Moines area,Iowa USA,Customer Service/HelpDesk

Description

Summary: Provides a full range of banking services; assessing and handling customer accounts, obtaining and processing customer account information, and cross selling bank products and services. Strives to maintain and exceed goals & expectations set for this position by the Office Manager.

Essential Duties and Responsibilities

Includes the following. Other duties may be assigned.

Personal Banker

Opens new accounts and cross-sells additional retail products and services.

Initiates discussion to determine customer needs.
Explains checking, savings and money market accounts and certificates of deposit (CD) to customers.
Gathers, inputs, and verifies required personal information from customers, such as name, address, employment information, social security number, etc., according to established procedures while maintaining the highest level of security.
Prepares and reviews new account paperwork with customer.
Receives and process initial deposits of cash, transfer of funds from other accounts, and/or sight drafts. Verifies all cash transactions and ensures authenticity of all negotiable items before acceptance according to policies and procedures.
Refers new business customers to Commercial Lenders for additional bank services.
Follows-up with new and existing customers to cross sell all banking products and services.

Services IRA Accounts. Provides maintenance services on existing accounts.

Completes withdrawal requests and renewals on certificates of deposit.
Handles Individual Retirement Account inquiries and transactions.
Informs customers of retirement account legal restrictions.
Gathers and inputs necessary personal information from customers.
Prepares documents such as trust/custodian agreement, disclosure statements, CDS, signature cards, etc.
Processes IRA distributions and verifies coding of accounts.
Processes mail requests from other financial institutions for IRA transfers.

Responds to questions from customers and staff regarding retail bank products and services.

Responds to written and verbal requests or inquiries. Researches customer and employee inquiries regarding retail bank product and services.
Processes check orders, deposits, withdrawal slips, debit card applications, and answers questions regarding internet banking and bill pay.
Keeps informed of new and existing products and services.
Process customer change of address, name, and account related data, etc.

Maintains support records.

Files CD copies and signature cards.
Follows up on incomplete new account documentation.
Files new account applications.
Make courtesy phone call to maturing CD customers.

Completes all arrangements and documents for direct deposit and cashes certificates of deposit.

Maintains the safe deposit area. Duties include monitor safe deposit rental, admitting valid customers to safe deposit boxes, and performing audits of the department.

Adheres to all State and Federal Banking regulations.

Teller

Maintain the highest level of security in performing transactions by making sure all transactions are properly documented and recorded, verifying cash transactions, determining authenticity of all negotiable items before acceptance to established policies and procedures, and receiving proper identification to verify customer information.

Receives checks and cash for deposit, verifies amount, and examines checks for endorsements.

Cashes checks and pays out money after verification of signatures and customer balances.

Enters customers transactions into computer to record transactions, and issues computer generated receipts.

Image and batch daily transactions.

Places hold on accounts for uncollected funds.

Orders daily supply of cash, and counts incoming cash.

Balances currency, coin, and checks in cash drawer at end of shift and compares totaled amounts with data displayed on computer screen.

Maintain knowledge of various departments services and functions in order to assist customers and make sales referrals.

Explains, promotes, or sells products or services such as money orders, cashier s checks, and other bank products, which will meet customer needs and increase bank business.

Removes deposits from, and counts and balances cash…


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