Universal Banker I

First State Bank and Trust; Bayport (MN); On-site; USD 42,000 - 64,000; Full time

Benefits offered by this job

Medical Insurance

Dental Insurance

Vision Insurance

HSA

FSA/FSDEP

Basic Life Insurance/Voluntary Life

Disability Insurance

401K/401K Match/Profit Sharing

Bonus

Paid time off

Paid holidays

Job summary

First State Bank and Trust Bayport, Minnesota, seeks an enthusiastic Universal Banker I to assist business, nonprofit, and consumer clients with banking transactions and financial guidance. You will identify needs, recommend products, and refer to specialists as needed, delivering friendly, accurate service daily.

The role emphasizes balancing cash, handling vault and teller duties, and expanding client relationships through education and referrals.

Qualifications

• High school diploma or GED required; two- or four-year degree preferred.
• Experience in financial services or retail banking recommended; teller/cash handling experience valued.
• Strong customer service focus and attention to detail essential.

Responsibilities

• Assist clients with banking transactions and advising on products and services.
• Balance ATM, cash drawers, and end-of-day procedures; support audits.
• Process deposits, loan payments, and other client transactions accurately and promptly.
• Educate clients on products to help meet their financial goals.
• Refer clients to appropriate departments for complex needs.

Skills

Customer service

Cash handling

Balancing cash

Teamwork

Education

High school diploma/GED

Post-secondary degree preferred

Tools

MS Office

Windows

Ten-key calculator

Job description

Universal Banker I

First State Bank and Trust Bayport, Minnesota, United States

About this position

Description:

First State Bank and Trust is looking for motivated individuals to help our clients and community achieve more. It's a formula that has worked for over 100 years, serving the St. Croix Valley community. As guides, we work alongside our clients every step of the way, helping them achieve more because we believe achievement is more than a transaction; it's a journey.

This same philosophy extends to our team. By building a culture of care and commitment, we do more to help our employees achieve more. Focusing on development and career growth, we look to guide our employees on their career journey by providing resources to build and strengthen skills, as well as actively giving back and supporting our community through volunteer outreach and engagement.

We look forward to welcoming you to our team, so we achieve more, together.

Join the First State Bank and Trust team!

JOB SUMMARY

This position helps business, nonprofit, and consumer clients with their banking transactions and with the management of their financial resources by addressing questions; solving problems; identifying their needs; recommending the appropriate products and services based on those needs; selling the designated bank products the clients desire; or referring them to the appropriate individuals/departments who can fulfill their needs, as appropriate.

ESSENTIAL FUNCTIONS:

Perform Vault Teller Duties and Oversee/Support Balancing Procedures:

• Accurately oversee and/or perform balancing of the ATM, cash drawers, gift cards, and “end of day” transactions (cash advances, coin machine, teller drawer, vault duties).
• Research and locate differences.
• Work with the audit team when conducting audits.
• Handle all teller cash requests and oversee change-order fulfillment.
• Maintain accurate records of all currency bought and sold.
• Follow and maintain dual control procedures as required.

Accept and Process Client Transactions:

• Service clients quickly and ensure fluidity within the branch.
• Accept and process commercial, consumer, and nonprofit clients’ checking and savings deposits.
• Accept mortgage, installment, commercial loan, and overdraft protection payments, as well as line of credit payments and advances.
• Process night deposit, mail, and courier transactions.
• Remain knowledgeable and current on the products/services you support in the teller and universal banker 1 functions.

Provide Strong Internal/External Customer Service:

• Warmly greet all clients calling the branch or entering the lobby.
• Handle calls promptly, accurately, and with a friendly, courteous, professional manner.
• Complete stop payment paperwork accurately and efficiently, whether over the phone or in person. Complete the paperwork and input it into the system.

Expand and Strengthen Current and New Client Relationships:

• On a day-to-day basis, educate our clients on products and services that may improve their financial health based on their life stage and goals.
• Participate in educational, product fulfillment, and referral initiatives launched by the organization
• Perform any and all new account and product opening processes and procedures expeditiously and accurately.
• Assist clients in completing loan applications and maintaining compliance with consumer loan rules and regulations.

Refer Other Products and Services

• Listen for opportunities to refer and deepen new and existing client relationships with products and services that may fulfill their needs from other business units.
• Work with other FSBT employees, including but not limited to Cash Management, Bank Services, Mortgage, Trust, Hanzlik, Valley Insurance, etc., to help the client get the assistance they need.
• Accurately complete the designated COR (Client Opportunity Referral) process on the Hub.
• Ensure the client’s needs are met by following up with him/her.

Requirements

EDUCATION REQUIREMENTS:

• High school diploma/GED. Two- or four-year post-secondary degree preferred.

MINIMUM JOB QUALIFICATIONS:

• A minimum of 1-2 years of experience in a financial institution role, or an equivalent combination of education and related work experience in financial services or retail/business banking.
• Previous teller or cash handling experience preferred.
• Experience providing high-quality customer service.
• Close attention to detail.
• Experience working in a team environment.
• Ability to count and balance cash.
• Knowledge of MS Office, Windows, and ten-key calculators.

SCHEDULE

This is a full-time position with flexible scheduling, Monday – Friday, 8:00 a.m. – 4:30 p.m.

BENEFITS

• Medical Insurance
• Dental Insurance
• Vision Insurance
• HSA
• FSA/FSDEP
• Basic Life Insurance/Voluntary Life
• Disability Insurance
• 401K/401K Match/Profit Sharing
• Bonus
• Paid time off
• Paid holidays

First State Bank and Trust and Valley Agencies are equal opportunity employers committed to creating a diverse workforce. We support a work environment where colleagues are respected and allowed to perform to their fullest potential. We consider all qualified applicants regardless of race, religion, color, sex, national origin, age, sexual orientation, gender identity, disability, or veteran status, among other factors. Drug-Free Workplace.