Universal Banker - South Walnut

The role of a Universal Banker at Owen County State Bank is to be committed to helping customers reach their financial goals by understanding and meeting customer needs. You will engage with new and existing customers by accepting deposits, giving out cash withdrawals from accounts, and determining their banking and financial goals and needs. You will assist the customer to meet those goals and needs by proactively offering appropriate products, services, and guidance.

Entry Requirements

• High school diploma or equivalent.

• Ability to obtain registration with the national Mortgage Licensing System and Registry (NMLS)

• Excellent interpersonal and problem solving skills.

• Ability to communicate clearly and maintain confidentiality.

• Knowledge of basic computer operation and data entry.

• Ability to operate a variety of automated and standard office equipment.

• One-year related experience in retail banking and/or sales preferred.

Job Duties

• Perform daily responsibilities to include: accept deposits and accurately process routine transactions including loan payments; redeem savings bonds and sell money orders and cashier checks; prepare cash transaction report; process night deposits and process mail deposits; order foreign currency and wrap and count coins; assist customers with any questions or problems they may have; balance teller drawer, process holds and scan proof work; ATM/balance ATM, process paperwork, resolve issues; access STAR system to enter ATM cards and check for issues; backup on cash vault responsibilities, open/close vault and assist with alarm testing; open bank/security walk through when needed; process cash advance, balance cash advance machine; open/close safe deposit boxes and access lock boxes with customers

• Perform customer service responsibilities to include: cross-selling additional bank products and services, along with knowledge of opening and closing deposit accounts, servicing customers, processing stop payments, and wire transfers, telephone transfers, placing check orders, processing special instructions on accounts and performing general file maintenance.

• Originate consumer and home equity loans within the framework of applicable laws, regulations and bank policies.

• Consistently execute the “Needs Assessment” with new and existing customers and seek opportunities to deliver superior customer service on each interaction.

• Consistently meet or exceed goals as set by Branch management by effectively and efficiently expanding banking relationships by cross-selling to both current and potential customers.

• Perform daily office responsibilities and tasks such as account transactions, account maintenance, customer correspondence.

• Responsible for referring customer relationship opportunities to other lines of businesses.

• Serve as notary.

• All other duties as assigned.

• Comply with the Bank Secrecy Act.

Key Job Elements

• Basic computer skills.

• Provide efficient, accurate and responsive customer service.

• Accurately and efficiently perform duties.

• Extensive contact with the public, necessitating the ability to present and maintain a professional image at all times.

• Effective communication skills both written and oral.

• Ability to take initiative and utilize sound judgment in decision-making and higher-level problem solving.

• Must be able to work in a team environment with the ability to interact well, and in a positive manner, with co-workers and management.

• Need to have flexibility in scheduling.

Performance Expectations

• Create a welcoming and friendly environment for customers.

• Thorough knowledge of bank products and effective cross-selling.

• Efficient, accurate and responsive customer service.

• Timely and accurate processing of all paperwork.

• Punctual and regular attendance.

• In-depth knowledge of banking policies, procedures and regulations in order to perform duties with minimal supervision.

• Maintenance of acceptable annual outages consistent with bank standards.

• Accurate scanning of proof documents.

Successful collection of fees for bank products and services.

• Process transactions accurately and efficiently.

• Punctual and regular attendance.

Physical Requirements

• Sedentary work: Exerting up to 10 pounds of force occasionally and/or a negligible amount of force frequently or constantly to lift, carry, push, pull or otherwise move objects, including the human body. Sedentary work involves sitting most of the time. Jobs are sedentary if walking and standing are required only occasionally and all other sedentary criteria are met.

  
  

• Physical Activities: Stooping, reaching, standing, walking, pushing, pulling, lifting, fingering, grasping, talking, hearing, and repetitive motions.

  
  

• Visual Acuity: The worker is required to have close visual acuity to perform an activity such as: preparing and analyzing data and figures; transcribing; viewing a computer terminal; expansive reading; visual inspection involving small defects, small parts and/or operation of machines (including inspection); using measurement devices; and/or assembly of fabrication of parts at distances close to the eyes.

  
  

• Working Conditions: The worker is not substantially exposed to adverse environmental conditions (such as in typical office or administrative work).

• Disclaimers

• All requirements in this job are subject to possible modifications to reasonably accommodate individuals with disabilities.

  
  

• This job description in no way states or implies that these are the only duties to be performed by the employee occupying this position or that these duties are permanent. Employees will be required to follow any other job-related instructions and to perform any other job-related duties requested by the employee's supervisor. Job descriptions may be revised from time to time to reflect changes in job duties or job requirements.

  
  

• Requirements are representative of minimum levels of knowledge, skill, and/or abilities. To perform this job successfully, the incumbent will possess the abilities and aptitude to perform each duty proficiently.

  
  

• This document does not create an employment contract, implied or otherwise, other than an "at will" employment relationship.

  
  

• Some requirements may exclude individuals who would pose a direct threat or significant risk to the health and safety of themselves or other employees.

Owen County State Bank is an Equal Opportunity Employer.

• Successful collection of fees for bank products and services.
• Process transactions accurately and efficiently.
• Punctual and regular attendance.

Physical Requirements

• Sedentary work: Exerting up to 10 pounds of force occasionally and/or a negligible amount of force frequently or constantly to lift, carry, push, pull or otherwise move objects, including the human body. Sedentary work involves sitting most of the time. Jobs are sedentary if walking and standing are required only occasionally and all other sedentary criteria are met.
• Physical Activities: Stooping, reaching, standing, walking, pushing, pulling, lifting, fingering, grasping, talking, hearing, and repetitive motions.
• Visual Acuity: The worker is required to have close visual acuity to perform an activity such as: preparing and analyzing data and figures; transcribing; viewing a computer terminal; expansive reading; visual inspection involving small defects, small parts and/or operation of machines (including inspection); using measurement devices; and/or assembly of fabrication of parts at distances close to the eyes.
• Working Conditions: The worker is not substantially exposed to adverse environmental conditions (such as in typical office or administrative work).

Disclaimers

• All requirements in this job are subject to possible modifications to reasonably accommodate individuals with disabilities.
• This job description in no way states or implies that these are the only duties to be performed by the employee occupying this position or that these duties are permanent. Employees will be required to follow any other job-related instructions and to perform any other job-related duties requested by the employee's supervisor. Job descriptions may be revised from time to time to reflect changes in job duties or job requirements.
• Requirements are representative of minimum levels of knowledge, skill, and/or abilities. To perform this job successfully, the incumbent will possess the abilities and aptitude to perform each duty proficiently.
• This document does not create an employment contract, implied or otherwise, other than an "at will" employment relationship.
• Some requirements may exclude individuals who would pose a direct threat or significant risk to the health and safety of themselves or other employees.

Owen County State Bank is an Equal Opportunity Employer.