Universal Banker/Lending Assistant

Universal Banker/Lending Assistant

ESSENTIAL FUNCTIONS

• Be a leader of Bank & Trust culture when in any Bank & Trust location and when representing the bank in any capacity.
• Develop/maintain new and existing account banking relationships. (Open all new accounts; process changes to existing accounts; cross sell additional products to enhance customer relationships; negotiate rates when applicable; make appropriate referrals to banking, investing, and insurance departments; and take initiative to solve any other customer inquiry).
• Process customer transactions accurately (deposits, withdrawals, loan payments, cash checks, cashier’s checks, savings bonds, cash advances, adhere to bank policies/regulations, balance teller box, etc.)
• Balance cash box daily; must be able to locate discrepancies and maintain proper cash levels in drawers, must be able to recognize counterfeit money.
• Perform secretarial services for Market President and Loan officers.
• Assist with various loan services such as obtaining credit reports, closing and disbursement of new and renewal loans, preparing forms, and loan servicing duties.
• Aid in business development by generating new deposits and loans from existing and potential customers by participating in Customer Call Program, customer service programs, and community programs and projects.
• Provide excellent customer service (based on E2 non-negotiable practices)
• Ensure compliance with state and federal regulations in addition to adherence with all bank policies and procedures including but not limited to BSA-AML

MARGINAL FUNCTIONS

• Perform ATM duties (balance, settle, on call)
• Assist in other areas of the bank such as new accounts.
• Serve on bank committees as requested.
• Performs other duties as assigned by supervisor.

REQUIRED SKILLS, ABILITIES & EXPERIENCE

• Two years’ experience in professional administrative or secretarial position; or an equivalent combination of education and experience.
• One year customer service and/or cash-handling experience.
• Basic mathematical skills
• Basic knowledge of lending policies and procedures.
• Working knowledge of computers including MS Office
• Excellent interpersonal communication skills.
• Credit in good standing
• Ability to effectively analyze customer(s) needs to assist and/or direct them to the appropriate department(s).

PREFERRED SKILLS, ABILITIES & EXPERIENCE

• An Associate’s Degree or equivalent
• Be familiar with banking compliance regulations.
• Self-starter, highly organized, detail-oriented & ability to prioritize.
• Ability to function efficiently and effectively under deadlines.
• Knowledge of consumer and real estate lending.
• Bilingual in English and Spanish

EQUIPMENT USED

• PC
• Calculator / Financial Calc.

• Phone
• Copier/Printer/Scanner/Fax

WORK CONDITIONS

• Professional office environment.
• Standing daily for entire work shift.
• Heavy lifting/carrying daily (25 - 30 lbs)
• Must have ability to use a computer keyboard, mouse, calculator, copier, fax machines, and telephone.
• Work environment is indoors with a majority of time spent sitting at a desk.
• Hearing and speaking to exchange information in person and/or via telephone.
• Ability to see to read, count money, and analyze data.
• Able to work 8am to 5:30pm Monday-Friday AND 8:00-12:00 some Saturdays

~Nothing in this job description restricts management's right to assign or reassign duties and responsibilities to this job at any time~

THE BANK & TRUST IS AN EQUAL OPPORTUNITY EMPLOYER, M/F/D/V