Branch Operations Consultant

2 months ago

Sturgis, Michigan, United States Southern Michigan Bancorp Full time
Reports To: Branch Manager / Branch Supervisor

FLSA Status: Non - Exempt

SUMMARY

The Universal Banker is responsible for delivering exceptional customer service by managing a variety of financial transactions and ensuring accurate record-keeping. This role encompasses a range of responsibilities aimed at enhancing customer satisfaction and operational efficiency.

ESSENTIAL DUTIES AND RESPONSIBILITIES

Deliver outstanding customer service by processing various financial transactions, including but not limited to deposits, withdrawals, loan payments, wire transfers, stop payments, check cashing, and cash advances, adhering to established guidelines.
  • Foster and maintain strong customer relationships through high-quality service.
  • Guide customers through their banking needs, acting as a comprehensive relationship manager.
  • Conduct interviews to gather necessary information, explain available financial products such as Checking and Savings accounts, Individual Retirement Accounts, Certificates of Deposit, and Savings Bonds, and assist in opening new accounts using a needs-based approach.
  • Promote and sell electronic banking services.
  • Gather all required information for Commercial Loan/Mortgage applications and relay it to the lender.
  • Discuss and refer Wealth Management services to clients.
  • Address and resolve branch operational issues.
  • Proactively market bank products to customers.
  • Support marketing initiatives effectively.
  • Maintain a clean and organized work environment.
  • Balance cash drawers according to established protocols.
  • Prepare, verify, and manage incoming and outgoing cash shipments.
  • Oversee daily vault operations, including the buying and selling of working cash.
  • Prepare and authorize cashier's checks, loan checks, and wire transfers within assigned limits.
  • Open and close the branch in the absence of management.
  • Audit the drawers of other tellers or Universal Bankers.
  • Service, balance, and audit TCR, PTM, self-service coin machines, and other branch technologies.
  • Close accounts as necessary.
  • Lead the branch during management's absence.
  • Process overrides for less experienced tellers.
  • Mentor and train new Tellers/Universal Bankers.
Qualifications

To excel in this role, candidates must effectively perform each essential duty. The qualifications outlined below represent the knowledge, skills, and abilities required. Reasonable accommodations may be made for individuals with disabilities to perform essential functions.

Education and/or Experience

A high school diploma or equivalent (GED); one to three weeks of training; and at least one year of relevant experience or a combination of education and experience.

Technical Skills
  • Strong customer service orientation.
  • Attention to detail.
  • Basic computer proficiency.
  • General mathematical skills.
  • Familiarity with Microsoft Office applications.
  • Knowledge of various banking software.
  • Experience with web-based applications.
  • Understanding of TCR, PTM, and coin machine operations.
People Skills

This position is primarily focused on managing customer transactions, resolving issues, and identifying sales opportunities. Key skills include empathetic listening, strong interpersonal abilities, and a genuine desire to assist customers while maintaining confidentiality and safeguarding the bank's interests.

Physical Demands

The physical requirements described here are representative of those that must be met by an employee to successfully perform the essential functions of this job. Reasonable accommodations may be made for individuals with disabilities to perform essential functions.

While performing the duties of this position, the employee is regularly required to stand, use hands to handle or feel; reach with hands and arms; and communicate verbally. The employee frequently must sit, stoop, kneel, crouch, or crawl. Occasionally, the employee may need to walk and climb or balance. The employee must occasionally lift and/or move up to fifty pounds. Specific vision abilities required for this role include close vision and the ability to adjust focus.

Salary and Benefits
  • Compensation based on experience and performance.
  • Paid vacation.
  • Paid holidays.
  • 401(k) plan - bank sponsored.
  • Vision insurance.
  • Flexible spending account for medical and/or childcare expenses.
Additional benefits for full-time employees
  • Paid sick leave.
  • Blue Cross/Blue Shield Medical - PPO.
  • Delta Dental coverage.
  • Life insurance and AD&D.
  • Short-term and long-term disability insurance.
  • Salary credit for opting out of the medical plan.

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