Universal Banker

First Guaranty Bancshares, Inc. Hammond , LA 70403

Posted 4 weeks ago

The Universal Banker position is responsible for delivering excellent customer experiences to current and potential customers. Employees in this position will display effective communication skills and exhibit a good knowledge of the products and services offered. Also responsible for offering referral opportunities that will result in outcomes that define excellent customer service.

  • Opening and processing new accounts, including, but not limited to, DDA, SAV, IRA's, certificates of deposit and money market accounts.

  • Completes account packets with required documentation and submits to Deposit Operations within the required time frame.

  • Maintaining files on the account status of branch customers; informing customers when fixed time deposit accounts have matured; renewing accounts or opening new accounts.

  • Maintains required monthly cross-sell ratio by offering other bank services.

  • Makes required monthly referrals for bank products and services to current and prospective customers.

  • Maintains required customer retention at an acceptable level.

  • Handles and relays through the Operations Department: Power of Attorneys, successions, and estates.

  • Handles and relays through the Compliance Department: Subpoenas and court orders.

  • Send items for the collection.

  • Collects charge-offs.

  • Makes monthly Portfolio Retention calls.

  • Initiates wire transfers.

  • Accepts consumer loan applications from current and prospective customers.

This position processes a variety of routine financial transactions, including check cashing, withdrawals, deposits, and loan payment in accordance with bank policy and procedures, maintains the appropriate level of cash on hand, records all transactions accurately, and is responsible for managing and balancing a cash drawer.

Essential Duties and Responsibilities

  • Provide excellent customer service while listening for assist opportunities, explain and promote bank products or services to customers.

  • Follow up with prospects and current customers by telephone or letter to promote new products and services.

  • Answer questions and solve problems for customers and office staff concerning all services provided by the bank.

  • Maintains a detailed level of knowledge of retail and business products and services.

  • Prepare Currency Transaction Reports and Monetary Instrument logs.

  • Maintain an acceptable Cash Over and Short account according to the bank policy guidelines.

  • Actively monitor the status of key customer relationships to promote business growth and service quality. Increase the number of services used per customer to increase both profits and customer retention.

  • Responsible for accepting and underwriting loan applications for personal/retail consumer needs.

  • Process daily transactions thru "Branch Capture" ensuring debits and credits balance in accordance with established policies and guidelines.

  • Rent safe deposit boxes and prepare rental paperwork and signature card.

  • Perform normal cash handling duties.

  • Able to identify correct product types through needs-based questioning allowing them to build and deepen customer relationships.

  • Actively participate in weekly meetings and one on one coaching sessions.

  • Perform new account and maintenance duties.

  • Adhere to the BSA Policy and all other Bank Policies

  • Other duties and responsibilities as may be assigned by supervisor.

Minimum Qualifications (Education, Experience, Skills)

  • 1 year of experience in customer service, or

  • 6 months of cash handling experience

  • High school diploma or equivalent, College Degree preferred

  • Must be able to use good judgment and be discreet with confidential information

  • Must possess a strong work ethic, positive attitude, good communications and computer skills

Physical Demands and Work Environment

  • The physical demands described here are representative of those that must be met by an employee to successfully perform the essential functions of this position. Reasonable accommodations may be made to enable individuals with disabilities to perform the functions.

  • While performing the duties of this position, the employee is regularly required to talk and hear. The employee frequently is required to use hands or fingers, handle, or feel objects, tools or controls. The employee is occasionally required to stand; walk; sit; reach with hands and arms; climb or balance; and stoop, kneel, crouch, or crawl.

  • The employee must occasionally lift and/or move up to 25 pounds. Specific vision abilities required by this position include close vision, distance vision, color vision, peripheral vision, and the ability to adjust focus.

  • The noise level in the work environment is usually moderate.

This job description in no way states or implies that these are the only duties to be performed by the employee(s) incumbent in this position. Employees will be required to follow any other job-related instructions and to perform any other job-related duties requested by any person authorized to give instructions or assignments.

All duties and responsibilities are essential functions and requirements and are subject to possible modification to reasonably accommodate individuals with disabilities. To perform this job successfully, the incumbents will possess the skills aptitudes and abilities to perform each duty proficiently. Some requirements may exclude individuals who pose a direct threat or significant risk to the health or safety of themselves or others. The requirements listed in this document are the minimum levels of knowledge, skills or abilities.

This document does not create an employment contract, implied or otherwise, other than an "at will" relationship.


icon no score

See how you match
to the job

Find your dream job anywhere
with the LiveCareer app.
Mobile App Icon
Download the
LiveCareer app and find
your dream job anywhere
App Store Icon Google Play Icon
lc_ad

Boost your job search productivity with our
free Chrome Extension!

lc_apply_tool GET EXTENSION

Similar Jobs

Want to see jobs matched to your resume? Upload One Now! Remove
Interactive Banker

First Guaranty Bancshares, Inc.

Posted 3 weeks ago

VIEW JOBS 3/29/2019 12:00:00 AM 2019-06-27T00:00 Position Summary: An Interactive Banker's (IB) primary responsibility is to process transactions via Interactive Teller Machines (ITMs) accurately and efficiently in a fast-paced environment in accordance with established policies and procedures. (Interactive Bankers are located in our Customer Support Center, not in our banking centers) Essential Duties and Responsibilities: * ITM transactions are predominantly routine and include basic teller transactions, for example; cashing and depositing checks. (Use computerized systems for customer authentication, information gathering/validation, and processing business as usual, as well as exception transactions). * Must have good communication skills in a face to face customer environment and be comfortable being on camera at all times, as customers will see the Interactive Banker via video transmission from the ITM to the Interactive Banker's computer desktop. * The Interactive Banker must act as First Guaranty Bank's face to the customer and consistently seek to delight our customers by demonstrating our Customer Service Standards. * Build customer loyalty through courtesy and friendliness, including addressing each customer by name. * Ensure bank policies and procedures and regulatory requirements, such as Anti-Money Laundering and Bank Secrecy Act are adhered to. * May be required to work weekends and/or evening hours and regular, reliable attendance is critical. Minimum Qualifications (Education, Experience, Skills): * Minimum of six months customer service experience * Proficiency in basic computer skills * Ability to work effectively as a team member * Strong oral and written communication skills * Ability to respond and assist the customer with inquiries * Careful attention to detail and time management * Comfortable with emerging technologies- virtual customer interactions * Previous teller/banking/new accounts experience of at least 1 year is preferred * Ability to identify customer financial needs, goals and objectives * Ability to identify and mitigate potential fraud and other transaction risks * Previous cross-sales and/or referral experience * Technology proficient – strong core technology skills, coupled with the ability to quickly learn and effectively utilize new technology * Strong professional presence on camera * Any other duties given by the supervisor Physical Demands and Work Environment The physical demands described here are representative of those that must be met by an employee to successfully perform the essential functions of this position. Reasonable accommodations may be made to enable individuals with disabilities to perform the functions. While performing the duties of this position, the employee is regularly required to talk and hear. The employee frequently is required to use hands or fingers, handle, or feel objects, tools or controls. The employee is occasionally required to stand; walk; sit; reach with hands and arms; climb or balance; and stoop, kneel, crouch, or crawl. The employee must occasionally lift and/or move up to 25 pounds. Specific vision abilities required by this position include close vision, distance vision, color vision, peripheral vision, and the ability to adjust focus. The noise level in the work environment is usually moderate. ________________________________________ This job description in no way states or implies that these are the only duties to be performed by the employee(s) incumbent in this position. Employees will be required to follow any other job-related instructions and to perform any other job-related duties requested by any person authorized to give instructions or assignments. All duties and responsibilities are essential functions and requirements and are subject to possible modification to reasonably accommodate individuals with disabilities. To perform this job successfully, the incumbents will possess the skills aptitudes and abilities to perform each duty proficiently. Some requirements may exclude individuals who pose a direct threat or significant risk to the health or safety of themselves or others. The requirements listed in this document are the minimum levels of knowledge, skills or abilities. This document does not create an employment contract, implied or otherwise, other than an "at will" relationship. First Guaranty Bancshares, Inc. Hammond LA

Universal Banker

First Guaranty Bancshares, Inc.