Universal Banker II

Bank West is currently seeking a Universal Banker II to join our team in Kadoka, SD. This is a great opportunity for individuals who are passionate about providing exceptional customer service and are looking to grow their careers in a supportive, community-focused environment. In this role, you will be responsible for building strong relationships with customers by making decisions on consumer loans within established lending limits, identifying customer needs, and recommending convenient banking solutions.

You will also refer customers to other Bank West services that support their financial goals. We offer competitive wages, a comprehensive benefits package, and opportunities for professional development-all within a strong culture of teamwork and community involvement. If you’re ready to make a meaningful impact and be part of a company that values your contributions, apply today and become part of the Bank West family.

The objective of this position is to ensure the retention and growth of existing customer relationships and continuous growth of new business through proactive sales efforts and quality of service.

Responsible to perform all related work responsibilities consistent with the standardized procedure and compliance requirements of the Bank. Accountable for the development of new customer relationships; along with a focus on the continued maintenance and enhancement of current Consumer Banking relationships. Responsible to accurately fulfill Consumer transactions; actively sell additional Enterprise financial products and services.

• Responsible to develop and enhance customer financial relationships through daily customer contact and the proactive use of Customer Relationship Management (CRM) programs. Identify early signs of dissatisfaction and work to resolve issues to aid in customer retention.
• Responsible for the accurate processing of all customer transactions requested through the lobby, drive‑up, or telephone. Including but not limited to: deposits, withdrawals, loan payment receipt, cashier check issuance, check cashing, credit card advances, savings bond redemption, check orders, wire transfer, and ACH transactions.
• Perform deposit account maintenance and problem solving according to customer need. Includes but is not limited to: wire transfer, ACH, stop payment, address/other information changes, account balancing/research, debit card, and web banking support.
• Open and close personal and business accounts including; checking, savings, deposit, and IRA/HSA accounts; identify customer needs for related convenience services and make specific recommendations.
• Responsible for the origination of secured and unsecured personal loans. Adhere to the credit practices of the Bank in these areas: loan application, credit documentation, analysis, underwriting, customer communication, and related disclosure requirements.
• Accountable to fulfill post‑approval loan documentation requirements including: file completion, customer system set‑up, loan set‑up sheet, loan closing, and funding.
• Responsible for overdraft payment decisions, performance and collection activities related to Retail customer deposit and loan accounts.
• Serve as an IRA/HSA subject matter expert (SME) for all related informational, account administration, and customer service support needs.
• Identify customer needs for additional Bank and Financial Service products; sell and refer other Bank, Trust, Brokerage, and Insurance products and services to new and existing customers. Actively cross sell GAP/Warranty/Credit Life insurance products.
• Actively seek out and make contact with prospect opportunities, outside the Bank, to grow new customer relationships through referrals and identification of prospects.

• Work as a team with departmental counterparts on planning and implementing assigned projects and products.
• Participate on various committees and project teams as deemed appropriate by management.
• Attend, actively participate in organization, job specific training offered, and Quality Service programs.
• Adhere to all applicable Policies and Procedures of Bank West organization.
• Community…