Job Details

Description

Loan Assistant Duties

Supervises: This position has no direct reports.

Position Summary: Under general supervision a Universal Banker performs a variety of duties to provide existing and potential customers with efficient and accurate services. An employee in this position will be required to perform Back up Teller and Customer Service Representative duties. More than one duty is required to be classified as a Universal Banker.

Typical Duties:

1. • Opens checking accounts, savings accounts, certificates of deposit, money markets, etc. for both consumer and business customers and provides all other deposit product services to customers; assists with courtesy and collection calls as needed; performs account maintenance as needed.
   • Assists customers with setup and maintenance of additional services including but not limited to online banking, mobile banking, ATM/debit cards, bill pay, automatic transfers, e-Statement enrollment, text banking, and FoneFirst.
   • Learning and maintaining a working knowledge of other bank services, i.e. Cash Management, Merchant Services, Loan Services; makes referrals, completes applications/documentation, and assists in resolving any issues related to services.
   • Cross-selling the Bank's products and services by identifying customer needs and making referrals to further grow customer relationships and generate new business.
   • Tracks and meets deposit and referral goals; contributes to the growth and profitability of the Bank by meeting objectives and encouraging team members to meet goals and make referrals.
   • Attending and participating in branch meetings to further develop understanding of sales initiatives, bank products, operations, and customer service standards.
   • Assists with cross-training of new or less experienced staff.
   • Performs opening, closing, and other branch servicing duties such as cash and vault balancing; assists with dual control responsibilities; ordering cash, cards, checks and other supplies; completing logs, reports, audits and control checks; processing wire transfers; taking and posting stop payments; maintaining and servicing automated teller machines.
   • Processes a variety of customer transactions accurately and efficiently in adherence to bank policies and regulations such as cashing checks, processing deposits and withdrawals, loan payments, cash advances, transfers, and issuing monetary instruments; supports the teller line to keep customer wait time to a minimum and maintains a high level of attentiveness.
   • Assists customers by answering questions, responding to requests, and referring customers to appropriate staff for inquiries or other services.
   • Makes the proper inquiries to solve problems or answer questions for customers, consulting fellow employees, a supervisor, or bank department when necessary.
   • Practices branch security procedures and protects customer confidentiality and privacy at all times, both in and outside of the branch; maintains customer accounts and files.
   • Proactively seeks ways to develop and expand customer relationships through marketing displays, call programs, and other prospecting techniques; implements special loan or deposit promotions; prepares deposit proposals for prospective or existing customers at officer's request; participates in prospect or customer calling with bank officer.
   • Updates job knowledge by participating in educational opportunities; reading professional publications; maintaining personal networks; participating in professional organizations; and completing assigned training.
   • Preforms other duties and projects as assigned
   • Pays and receives and maintains a teller drawer.
   • The Universal Banker II occasionally will rotate various job duties.

Note: Universal Banker could spend up to 50% of the time working the teller line.

Minimum Qualifications:

• High School Diploma or General Education Degree (GED)
• Minimum three (3) years related banking experience
• Ability to work with mathematical concepts (fractions, percentages, ratios)
• Knowledge of computer and software application
• Knowledge of ten-key number pad
• Ability to work under time constraints, use good judgment, and act in a tactful, professional, non-irritated manner while dealing with the public and co-workers
• Must have a professional appearance and manner
• Effectively communicates using outstanding listening skills and verbal, non-verbal, and written skills
• Ability to work alongside co-workers in a team environment
• Reliable attendance
• Strong customer service skills
• Knowledge of or ability to quickly learn banking and lending products, services, policies, procedures, regulatory guidelines, and effective marketing and sales practices
• Ability to maintain confidentiality, follow directions and apply proper policies, procedures and guidelines
• Self-motivated, goal-oriented, team player with strong interpersonal skills and sales aptitude
• Excellent organizational skills with the ability to prioritize workload and multi-task in a fast-pace environment while maintaining accuracy and attention to detail

Certifications Required: None

Physical Requirements:

Employees must have the ability to perform the following physical demands for extended periods of time with or without assistance:

• Maneuvering to and around equipment
• Bending, stooping, and reaching
• Utilizing keyboard
• Monitoring computer screens
• May include viewing computer/CCTV monitor(s) and detailed work requiring close vision
• Moving or lifting boxes up to 25 pounds
• Answering/making phone calls
• Communicating with others

Work Environment: Work is primarily performed in an office environment with limited privacy and some exposure to background noise and noise from office equipment. Travel to various branch locations may be required.

Disclaimer: The above information on this description has been designed to indicate the general nature and level of work performed by employees within this classification. It is not designed to contain or be interpreted as a comprehensive inventory of all duties, responsibilities and qualifications required of employees to this job. Employees are expected to follow their supervisor's instructions and to perform the tasks requested by their supervisors.

Universal Banker Duties

Supervises: This position has no direct reports.

Position Summary: Under general supervision a Universal Banker performs a variety of duties to provide existing and potential customers with efficient and accurate services. An employee in this position will be required to perform Back up Teller and Customer Service Representative duties. More than one duty is required to be classified as a Universal Banker.

Typical Duties:

1. • Opens checking accounts, savings accounts, certificates of deposit, money markets, etc. for both consumer and business customers and provides all other deposit product services to customers; assists with courtesy and collection calls as needed; performs account maintenance as needed.
   • Assists customers with setup and maintenance of additional services including but not limited to online banking, mobile banking, ATM/debit cards, bill pay, automatic transfers, e-Statement enrollment, text banking, and FoneFirst.
   • Learning and maintaining a working knowledge of other bank services, i.e. Cash Management, Merchant Services, Loan Services; makes referrals, completes applications/documentation, and assists in resolving any issues related to services.
   • Cross-selling the Bank's products and services by identifying customer needs and making referrals to further grow customer relationships and generate new business.
   • Tracks and meets deposit and referral goals; contributes to the growth and profitability of the Bank by meeting objectives and encouraging team members to meet goals and make referrals.
   • Attending and participating in branch meetings to further develop understanding of sales initiatives, bank products, operations, and customer service standards.
   • Assists with cross-training of new or less experienced staff.
   • Performs opening, closing, and other branch servicing duties such as cash and vault balancing; assists with dual control responsibilities; ordering cash, cards, checks and other supplies; completing logs, reports, audits and control checks; processing wire transfers; taking and posting stop payments; maintaining and servicing automated teller machines.
   • Processes a variety of customer transactions accurately and efficiently in adherence to bank policies and regulations such as cashing checks, processing deposits and withdrawals, loan payments, cash advances, transfers, and issuing monetary instruments; supports the teller line to keep customer wait time to a minimum and maintains a high level of attentiveness.
   • Assists customers by answering questions, responding to requests, and referring customers to appropriate staff for inquiries or other services.
   • Makes the proper inquiries to solve problems or answer questions for customers, consulting fellow employees, a supervisor, or bank department when necessary.
   • Practices branch security procedures and protects customer confidentiality and privacy at all times, both in and outside of the branch; maintains customer accounts and files.
   • Proactively seeks ways to develop and expand customer relationships through marketing displays, call programs, and other prospecting techniques; implements special loan or deposit promotions; prepares deposit proposals for prospective or existing customers at officer's request; participates in prospect or customer calling with bank officer.
   • Updates job knowledge by participating in educational opportunities; reading professional publications; maintaining personal networks; participating in professional organizations; and completing assigned training.
   • Preforms other duties and projects as assigned
   • Pays and receives and maintains a teller drawer.
   • The Universal Banker II occasionally will rotate various job duties.

Note: Universal Banker could spend up to 50% of the time working the teller line.

Minimum Qualifications:

• High School Diploma or General Education Degree (GED)
• Minimum three (3) years related banking experience
• Ability to work with mathematical concepts (fractions, percentages, ratios)
• Knowledge of computer and software application
• Knowledge of ten-key number pad
• Ability to work under time constraints, use good judgment, and act in a tactful, professional, non-irritated manner while dealing with the public and co-workers
• Must have a professional appearance and manner
• Effectively communicates using outstanding listening skills and verbal, non-verbal, and written skills
• Ability to work alongside co-workers in a team environment
• Reliable attendance
• Strong customer service skills
• Knowledge of or ability to quickly learn banking and lending products, services, policies, procedures, regulatory guidelines, and effective marketing and sales practices
• Ability to maintain confidentiality, follow directions and apply proper policies, procedures and guidelines
• Self-motivated, goal-oriented, team player with strong interpersonal skills and sales aptitude
• Excellent organizational skills with the ability to prioritize workload and multi-task in a fast-pace environment while maintaining accuracy and attention to detail

Certifications Required: None

Physical Requirements:

Employees must have the ability to perform the following physical demands for extended periods of time with or without assistance:

• Maneuvering to and around equipment
• Bending, stooping, and reaching
• Utilizing keyboard
• Monitoring computer screens
• May include viewing computer/CCTV monitor(s) and detailed work requiring close vision
• Moving or lifting boxes up to 25 pounds
• Answering/making phone calls
• Communicating with others

Work Environment: Work is primarily performed in an office environment with limited privacy and some exposure to background noise and noise from office equipment. Travel to various branch locations may be required.

Disclaimer: The above information on this description has been designed to indicate the general nature and level of work performed by employees within this classification. It is not designed to contain or be interpreted as a comprehensive inventory of all duties, responsibilities and qualifications required of employees to this job. Employees are expected to follow their supervisor's instructions and to perform the tasks requested by their supervisors.

FNBD is a VEVRAA federal contractor committed to creating a diverse environment and is proud to be an equal opportunity employer. All qualified applicants will receive consideration for employment without regard to race, color, religion, sex, gender identity or expression, sexual orientation, national origin, marital status, genetics, disability, age, or veteran status.