Lending Universal Banker

WNB Financial, N.A.; Wabasha (MN); On-site; USD 55,000 - 75,000; Full time

Job summary

WNB Financial, N.A. is seeking a Lending Universal Banker to build lasting relationships with clients as their trusted financial advisor and to recommend personalized products and services.

The role includes opening and maintaining customer accounts and consumer loans, processing transactions, and maintaining a cash drawer, all while ensuring compliance with regulations. Responsibilities emphasize identifying client needs, cross-selling appropriate bank products, and delivering exceptional

Qualifications

• Requires knowledge of banking products and services to cross-sell to clients.
• Proven ability to handle cash transactions and daily balancing.
• Minimum three years banking and consumer lending experience.
• NMLS certification required and preferred.

Responsibilities

• Identify clients' financial needs and cross-sell bank products and services.
• Open and maintain retail deposit accounts and review loan applications.
• Process client transactions and balance cash drawer daily.
• Complete account and loan documentation and ensure regulatory requirements are met.
• Assist clients via phone, email, and in-person interactions.

Skills

Client relationships

Cross-selling

Cash handling

Customer service

Banking compliance

Education

High school diploma

Two-year business degree

NMLS certification

Tools

Silverlake core banking

Windows & Office

Job description

Description

The Lending Universal Banker builds lasting relationships with clients by being their trusted financial advisor and recommending personalized products and services. Opens and maintains customer accounts and consumer loans; performs related account maintenance. Processes client transactions, maintains and balances a cash drawer and/or vault and identifies the needs of clients while cross-selling appropriate Bank products and services. Understands and completes job responsibilities in accordance with federal and state regulations.

Description

The Lending Universal Banker builds lasting relationships with clients by being their trusted financial advisor and recommending personalized products and services. Opens and maintains customer accounts and consumer loans; performs related account maintenance. Processes client transactions, maintains and balances a cash drawer and/or vault and identifies the needs of clients while cross-selling appropriate Bank products and services. Understands and completes job responsibilities in accordance with federal and state regulations.

Essential Functions

Client Relationships 60%

• Identifies the financial needs of our clients
• Cross-sells Bank products and services to clients
• Opens and maintains retail deposit accounts
• Reviews and approves consumer loan applications
• Troubleshoots and resolves client concerns
• Performs debit card and internet banking maintenance
• Personalizes all client interactions
• Assists clients via phone, email, and in-person
• Reaches out to existing clients and prospective clients

Documentation 20%

• Completes all required account and loan documentation
• Ensures all regulation requirements are met

Teller Operations 15%

• Processes client transactions
• Maintains and balances cash drawer and/or vault on a daily basis

Additional Duties and Responsibilities 5%

• Closes Bank as needed
• Participates in internal and external training and development opportunities as required
• Other job related duties necessary to carry out the responsibilities of this position

Requirements

Work Relationships and Scope:

Works regularly with clients and co-workers for the purpose of obtaining and providing information and assistance. Works occasionally with suppliers and vendors, community/trade/professional affiliations. Works regularly with confidential business and client information. Occasionally participates in bank committees and events.

Performance Dimensions

Quality, accuracy, reliability, thoroughness and timeliness of work performed and services provided to clients and co-workers; strong organization skills; customer satisfaction with services provided; keeps Bank and client information confidential; demonstrates friendly and helpful approach and attitude toward internal and external clients. Effectively communicates and develops good working relationships with all co-workers and clients; professional workplace appearance and conduct; honesty and integrity in all client and co-worker communications; reliability in reporting to work regularly and on time; understands Bank policies and procedures. Participates in training and appropriate professional development. Multi-tasks and effectively manages varying duties throughout the workday. Stays current in field and utilizes that information where practical; participates in training and appropriate professional development. Utilizes knowledge of Bank products and services to effectively cross-sell.

Knowledge, Skills And Abilities

High school diploma required. Two-year degree in business related coursework preferred. Previous cash handling experience required. Minimum three years banking and consumer lending experience required. NMLS certification required. Must possess courteous and professional customer service attitude; excellent verbal and written communication skills for interacting professionally with clients (both pleasant and difficult situations) and relating to other co-workers; ability to maintain the integrity of highly confidential client and Bank information. Must possess computer functioning and typing skills; basic mathematical skills up to and including fractions; legible handwriting. Must be able to deal effectively with time pressures and stress that can change hourly depending on level of client activity; effective problem solving skills; effective cross selling skills. Must be a self-starter and independent thinker and meet goals as outlined by the manager.

Working Conditions

Work is performed largely in an office environment with minimal chance for personal injury. Regular contact with clients and co-workers. Occasional out-of-town travel is required for business and education. Regular mental and visual concentration for computer usage required. Frequent use of telephone. Frequent repetitive use of keyboard for approximately 6 hours per day; frequent repetitive fingering and grasping of papers. Receive and provide detailed information through verbal communication. Requires near-, mid-range, and far vision. Will alternate sitting, standing, and walking throughout work shift. Bend, stoop, turn, lift and carry up to 25 pounds in documents and office supplies. Climb stairs. Work is performed generally during regular business hours with minimal expectations of overtime, including a Saturday rotation.

Equipment Used

Operates personal computer in a Windows environment for word processing, spreadsheets, e-mail, internet, and other bank specific software. Operates core systems on Silverlake. Utilizes a variety of office equipment including computer printer, ten-key calculator, fax, copy machine, typewriter, and multi-line telephone.

EEO/AA Employer/Vets/Disability