Universal Banker I/ Universal Banker II

Shelby American, Inc.; Bayport (MN); On-site; USD 42,000 - 54,000; Full time

Job summary

First State Bank and Trust is seeking a Universal Banker to help clients with banking transactions and manage their financial affairs. This role offers an opportunity to make a real difference in the community while providing excellent customer service and financial advice. Successful candidates will contribute to a committed team dedicated to achieving exceptional service and building lasting relationships.

Benefits

401(k) matching

Profit Sharing

Dental Insurance

Vision Insurance

Disability Insurance

Employee assistance program

Flexible spending account

Health Insurance

Health savings account

Life Insurance

Paid holidays

Paid time off

Qualifications

• 1-3 years of experience in a financial institution or related field.
• Previous banking and loan processing experience preferred.
• Experience in teller or cash handling roles.

Responsibilities

• Assist clients with banking transactions and financial resource management.
• Open new accounts and process transactions with accuracy.
• Inform clients of product promotions and manage loans.

Skills

Customer Service

Attention to Detail

Problem Solving

Education

High School Diploma/GED

Two- or four-year post-secondary degree (preferred)

Job description

Description

First State Bank and Trust seeks 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.

And this is the same philosophy that 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 and actively give back and support 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 DESCRIPTION – Universal Banker I

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.

Performance Standards / Competencies:

• Perform any new account and product opening processes and procedures expeditiously and accurately.
• Help clients complete loan applications and maintain compliance with consumer loan rules and regulations.
• 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.
• Accurately make correcting entries on a timely basis.
• Handle all ordering and shipment from Thillens.
• Handle all teller cash requests and oversee the filling of change orders.
• Accept and process commercial, consumer, and nonprofit clients’ checking and savings deposits.
• Accept mortgage, installment, commercial loan, overdraft protection payments, and line of credit payments and advances.

JOB DESCRIPTION – Universal Banker II

This position serves as the lead Branch Banking banker in the branch assigned. The incumbent 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 they desire; or referring them to the appropriate individuals/departments who can fulfill their needs, as appropriate.

Performance Standards/Competencies:

• Inform clients about product promotions, new products and services, etc.
• Perform any and all new account opening processes and procedures expeditiously and accurately.
• Work with other FSBT employees, including but not limited to Cash Management, Bank Services, Mortgage, Trust, Valley Insurance, etc., to help the client get the assistance they need.
• Perform vault teller duties, which include but are not limited to: 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.
  • Accurately make correcting entries on a timely basis.
  • Communicate corrections/changes to the manager and/or operations.
• Originate and help service loans within authority limits and assigned lending products.
  • Evaluate risk on credit and depository products and recognize client eligibility to submit credit/application packages.
  • Ensure that underwriting and credit quality standards are implemented and maintained.
  • Negotiate credit terms, such as costs, loan repayment methods, and collateral specifications.

Requirements

PHYSICAL REQUIREMENTS/WORKING ENVIRONMENT:

An individual must be able to perform each essential duty satisfactorily. Reasonable Accommodations may be made to enable qualified individuals with disabilities to perform the essential functions.

MINIMUM JOB QUALIFICATIONS:

• High School diploma/GED. Two- or four-year post-secondary degree preferred.
• A minimum of 1-3 years of experience in a financial institution role, or equivalent combination of education and related work experience in financial services or retail/business banking.
• 1–3 years of previous banking experience with loan processing experience preferred
• Previous teller or cash handling experience preferred.
• Experience providing high-quality customer service.
• High attention to detail.

Locations: Hiring one position in Hudson and one position in Bayport.

Hours: Monday - Friday 8:00 a.m. to 4:30 p.m.

Salary:

Universal Banker I – $42,000 - $46,000 annual

Universal Banker II - $46,000 – $54,000 annual

Benefits:

• 401(k) matching
• Profit Sharing
• Dental Insurance
• Vision Insurance
• Disability Insurance
• Employee assistance program
• Flexible spending account
• Health Insurance
• Health savings account
• Life Insurance
• Paid holidays
• Paid time off

First State Bank and Trust and Valley Agencies is an equal opportunity employer 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