Universal Banker

Choiceone-Bank; Fruitport Charter Township (MI); On-site; USD 18,000 - 29,000; Full time

Job summary

ChoiceOne Bank is seeking a customer-focused professional to provide exemplary service and build relationships with clients in a branch setting. The role includes educating customers on deposit and lending products, driving sales, and processing day-to-day transactions.

Responsibilities include opening new accounts, obtaining referrals, and ensuring compliance with regulatory policies. A strong emphasis on accuracy, service quality, and teamwork is required.

Qualifications

• Experience in cash handling or cash-based transactions
• Strong customer service orientation
• Effective communication and interpersonal skills
• Ability to learn banking products and processes
• Compliance with regulatory requirements and bank policies
• Sales-oriented with ability to obtain referrals

Responsibilities

• Provide exemplary customer service to clients and resolve challenges
• Educate customers on deposit and lending products
• Drive sales through a disciplined process and banking technology
• Open new personal and business accounts in compliance with policy
• Obtain referrals and deepen customer relationships across bank areas
• Process daily customer transactions accurately
• Follow Bank Secrecy Act, USA PATRIOT Act and other regulations

Job description

Corporate Values & Mission“Provide superior service, quality advice and show our utmost respect to everyone we meet.”General SummaryProvide exemplary customer service to our clients. Responsible for building relationships by recommending appropriate deposit, loan, and other banking products. When needed, will also process customer transactions to provide excellent customer service.Reports To: Assistant Branch Manager, Branch ManagerEssential Duties and ResponsibilitiesProvide excellent customer service and effectively resolve customer challenges.Understand and educate customers on consumer deposit and lending products.Drive sales with a disciplined sales process and use current banking technology to drive both sales and service.Obtain referrals from customers, other bank colleagues and partners while educating and referring customers to other areas of the bank to deepen relationships and build a strong partnership.Adhere to all operational, security, risk and regulatory policies and procedures.Demonstrate good judgement in sales, customer service, relationship management, banking, investments, consumer lending, business banking, business lending, communication and presentation.Process customer day-to-day transactions as needed.Opens new personal and business accounts in accordance with bank policies and regulatory requirements.Additional responsibilities as assigned.Be familiar with and comply with the provisions of the Bank Secrecy Act and USA PATRIOT Act as they relate to the functions of this position. Complete all required reports related to those acts and reports any observed violations or potential violations of those acts to a supervisor or other appropriate bank officer.Be familiar with and comply with all federal and state banking regulations as applicable.CompetenciesCommunication – Effective written and oral communication skills required, with the ability to interface with Internal and external stakeholders and community partners. Has group presentation skills.Analytical – Synthesize complex and diverse information; collect and research data; use intuition and experience to complement data.Technical Skills – Assess strengths and weaknesses; pursue training and development opportunities; strive to continuously build knowledge and skills; share expertise with others.Quality – Demonstrates accuracy and thoroughness; monitors own work and the work of others to ensure quality.Quantity – Meet productivity standards; complete work in a timely manner; strive to increase productivity; works quickly and accurately.Dependability – Follows schedule consistently in a timely manner; limits absenteeism; ensures work responsibilities are covered when absent; arrives at meetings and appointments on time. Follows instructions; responds to management direction; takes responsibility for own actions; keeps commitments; completes tasks on time or notifies appropriate person with an alternate plan.Flexibility – able to provide flexibility and adapt to changing schedules and/or work environments.Initiative – Undertakes self-development activities; takes independent actions and calculated risks; looks for and takes advantage of opportunities; asks for and offers help when needed.Physical Demands and Work EnvironmentAbility to work in an office environment which may include many hours of computer and telephone usage.Reasonable accommodation may be made to enable individuals with disabilities to perform the essential functions.This position description is not to be construed as an exhaustive statement of duties, responsibilities, or requirements. Employees may be required to perform any other job-related instructions as requested by their supervisor, subject to reasonable accommodation.QualificationsTo perform this job successfully, an Individual in this position must be able to perform each of the above essential duties satisfactorily and exhibit the values of the Company. In addition, the requirements listed below are representative of the knowledge, skill and/or ability required.Experience and/or EducationHigh School Diploma or equivalentMinimum of six (6) months’ cash handling experience preferredOne (1) year of customer service in banking, financial services or goal-drive retail sales preferredSuccessful completion of ChoiceOne’s Retail Advancement Program (RAP)Licenses & DesignationsNMLS