Universal Banker

American Bank & Trust - South Dakota; Stickney (SD); On-site; USD 32,000 - 42,000; Full time

Job summary

American Bank & Trust - South Dakota is seeking a dedicated Teller/Customer Service Associate to assist customers, perform teller duties, and promote bank products. The role emphasizes accuracy, confidentiality, and proactive service during normal business hours with some overtime and travel as needed.

You will handle IRA distributions, debit card requests, and guide customers to Internet Banking while maintaining strong cross-selling discipline and attention to detail in a fast-paced retail

Qualifications

• High School Diploma or the equivalent required.
• Prefer customer service and/or retail cashier experience. Prior banking experience helpful.
• Strong communication and customer service orientation.
• Maintain confidentiality of customer information.

Responsibilities

• Interacts with customers in a courteous, professional manner to identify needs and cross-sell to bank areas.
• Proficient in all teller duties and provides teller line service.
• Responsible for IRA distributions, sales, and staying updated via IRA sessions.
• Process debit card requests – activate, close, delete, hot card, review issues.
• Connect customers to Internet Banking and other retail technology products.
• Maintain risk-related files including dormant, negative, write-off accounts, and related customers.

Skills

Strong communication

Customer service

Confidentiality

Multitasking

Detail-oriented

Education

High School Diploma or equivalent

Job description

PRIMARY RESPONSIBILITIES AND ACCOUNTABILITIES (90%)

• Interacts with customers in a courteous, professional, and friendly manner to identify their needs. Provides the products needed for the customer or cross-sells to the appropriate areas of the bank to identify solutions for those needs.
• Proficient in all teller duties and provides customer service in the teller line when
• Responsible for IRA distributions, sales, and Must stay abreast of changes by attending IRA sessions.
• Process debit card requests – activate, close, delete, hot card, research customer issues and review
• Connect customers to Internet Banking and other Retail Technological Products and assist with related banking issues.
• Maintain risk related files including dormant, negative, and write off accounts, and Money Service Business, Cash Management, Merchant Source Capture, and Consumer Source Capture customers.

SECONDARY RESPONSIBILITIES AND ACCOUNTABILITIES (10%)

• Develops relationships with other bank employees to enhance teamwork.
• Represents Bank at various civic and community events.
• Participate in Retail meetings, adhere to compliance procedures and participate in required training.
• Other duties as may be assigned.

TEAM/COMMITTEE ASSIGNMENTS

• TBD

ROLE QUALIFICATIONS

Education

• High School Diploma or the equivalent required.

Experience

• Prefer customer service and/or retail cashier experience. Prior banking experience helpful.

Other Skills And Abilities

• Strong communication skill
• Customer service focused
• Maintain confidentiality of customer information
• Resourceful, well organized and ability to multitask
• Effective problem-solving and decision-making skills
• Strong attention to detail
• Strong ethical focus

PERFORMANCE MEASURES

• Meets or exceeds annual goals as pre-established by immediate supervisor.
• Compliance with regulatory requirements.
• Meets all sales and growth goals.
• Balances efficiently and accurately, with quarterly offages less than 3.
• Achieves a minimum of 3 referrals quarterly.

WORKING CONDITIONS

Work is performed largely within the Bank with limited chance for personal injury. Prolonged and frequent mental and visual concentration required. Periodic stressful situations in response to multiple priorities within established deadlines. Work hours are generally during normal business hours. Unscheduled evening and weekend work may be needed to meet the needs of customers and employees. Occasional out-of-town and overnight business travel may be required. Work on some Saturdays will be required. Must be able to lift and move up to 20 pounds of office supplies and equipment. Some bending, turning, and twisting required.

GENERAL NOTICE

This position description describes the general nature and level of work performed by the employee assigned to this position and should not be interpreted as all inclusive. It does not state or imply that these are the only duties and responsibilities assigned to the position. The employee may be required to perform other job-related duties. All requirements are subject to change and to possible modification to reasonably accommodate individuals with a disability.

This position description does not constitute an employment agreement between the Bank and employee and is subject to change by the employer as the needs of the Bank and requirements of the position change.