Universal Banker I

Merchants-Bank; Goodview (MN); On-site; USD 38,000 - 52,000; Full time

Benefits offered by this job

Health insurance

Dental insurance

Life insurance

Disability insurance

Vision insurance

Flexible spending accounts

401(k)

ESOP

Bonus plan

Paid time off

Tuition reimbursement

Voluntary insurance options

Job summary

Merchants Bank in Winona is seeking a motivated Universal Banker to deliver outstanding customer service while offering a full range of banking products and services.

This full-time position covers branch hours Monday-Friday with a Saturday morning rotation and offers diverse opportunities to help customers open accounts, process transactions, and build lasting relationships.

Based at the Winona Drive Up, you may work at other Winona or Goodview branches as needed.

Qualifications

• High school diploma or equivalent required.
• Customer service experience and sales aptitude preferred.
• Banking or cash handling experience a plus.

Responsibilities

• Open & maintain basic checking and savings deposit accounts.
• Process day-to-day banking transactions for customers.
• Respond to account inquiries and provide personalized product recommendations.
• Open, close and maintain safe deposit boxes; assist with branch operations.
• Build relationships and promote bank products to meet customer needs.

Skills

Customer service

Sales experience

Cash handling

Multi-tasking

Branch banking

Education

High school diploma or equivalent

Job description

Merchants Bank, Winona is seeking a motivated and customer-focused Universal Banker to join our team. This full-time position (40 hours/week) offers a varied schedule to cover branch hours, Monday-Friday, with a Saturday morning rotation.

As a Universal Banker, you will play a vital role in delivering exceptional customer service while offering a full range of banking products and services. You’ll assist customers with everyday financial transactions, respond to account inquiries, open new deposit accounts, and provide personalized product recommendations—all in an efficient, friendly, and professional manner.

This position will be based out of Winona Drive Up with flexibility to work at any Winona or Goodview branch and other nearby branches occasionally.

Must have strong communication skills, comfortable with extensive customer contact, have sales experience, previous cash handling skills, and a strong ability to multi-task and prioritize. Banking experience is a plus.

Merchants Bank offers competitive wages and benefits for our full-time employees including health, dental, life, disability and vision insurance; flexible spending accounts, 401(k) and ESOP retirement plans; bonus plan; paid time off; tuition reimbursement; and a variety of voluntary supplemental insurance options.

Merchants Bank is an Equal Opportunity Employer of women, minorities, protected veterans and individuals with disabilities

Job Summary

As a Universal Banker, you will be responsible for providing exceptional customer service and proactively offering a range of banking products and services to meet the financial needs of our customers. You will serve as a primary point of contact for customers, assisting them with various banking and financial transactions, account inquiries, opening new account relationships and safe deposit boxes, and making product recommendations in an efficient and friendly manner. The Universal Banker will play a crucial role in building customer relationships. You will also play an important role in fraud prevention.

Responsibilities and Skill requirements

• Open & maintenance basic checking and savings deposit accounts
• Process banking transactions in the Teller area
• Open, close and maintain safe deposit boxes
• Serve as a Vault Attendant if needed in the Branch
• If person is doing more than 50% Teller work, they may report to the Lead Teller and be considered in the Teller Department
• Experience required: Relevant customer service experience; banking experience a plus
• Education required: High school diploma or equivalent

Exceptional Customer Service

• Ensure that internal and external customers receive outstanding service from every employee (and speak up when they do not).

• Be efficient and accurate when processing customer transactions, as outlined in current policies and procedures

• Provide excellent customer service by greeting customers, seeking to understand their needs, and offering them personalized solutions.

• Provide high-quality consultative conversations to uncover needs and opportunities.

• Resolve customer issues and concerns promptly and effectively; escalation when needed.

• Be proficient and happily able to assist customers on the systems including internet banking products, bill pay, e statements, mobile banking, telephone banking and anything else the customer may need assistance with.

• Stay calm, professional and focused under pressure.

Relationship Building

• Build strong relationships with customers to understand their financial goals and identify opportunities to meet their needs.
• Foster long-term customer loyalty through ongoing relationship management and exceptional service.
• Build strong internal relationships with immediate coworkers as well as Merchants Bank employees in all shared services areas.

Sales and Business Development

• Meet or exceed individual sales targets for banking products (such as deposit accounts, loans and credit cards).

• Conduct outbound sales activities (such as prospecting, lead generation, and follow-up on sales opportunities) as directed by supervisor.

• Collaborate with other team members to achieve branch sales goals and contribute to overall business growth.

• Respond to all customers inquiries and forward any appropriate requests to other departments.

• Promote bank products by answering inquiries; inform customers of new services and product promotions.

• Attend external customer meetings as requested.

Product Knowledge

• Maintain in-depth knowledge of the bank's products, services, and promotions.

• Educate customers on the features, benefits, and terms of various banking products to help them make informed decisions.

• Stay updated on industry trends, regulatory changes, and competitive offerings to provide accurate and up-to-date information to customers.

Compliance and Risk Management

<