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Position: Universal Banker/Loan Assistant

Status: Full-Time; Non-Exempt

Location: Eden Prairie (Metro Region)

Department: Loan / Retail Operations 

Reports To: Branch Operations Manager Officer

Status: Non-Officer

 

The Universal Banker/Loan Assistant will assist bank customers using their detailed knowledge on all aspects of retail banking. Excellent customer service skills are required when opening new accounts. Knowledge and understanding of digital banking solutions are required. Product knowledge and cross-selling are also required. This position also supports the loan department in the Eden Prairie office in performing various duties and special projects related to new and existing loan customers.

 

 

• Promote the bank culture, mission and vision statements by maintaining positive working relationships with bank staff, customers, and guests.

• Greet and assist customers in a professional, friendly, and hospitable manner in person, by phone or by email.

• Open new accounts and close accounts.

• Build customer relationships with the bank by cross-selling appropriate products. 

• Maintain cash drawer and established limits, balance daily, and provide support to the teller line whenever needed.

• Maintain daily office cash limit.

• Process and balance coin through the coin machine; bag coins for shipment.

• Navigate various financial/banking software to accurately process transactions.

• Assist customers with digital banking questions, act as backup to digital banking.

• Attend and participate in ongoing trainings to stay up to date with banking trends.

• Clerical tasks including word processing, filing, answering telephones and operating office equipment.

• Processing and maintenance of records, data collection, reports, and special projects.

• Conduct monthly audit collections and submit to compliance or internal audit department.

• Act as backup for vault duties, Federal Reserve Bank shipment, and retail reporting for the Branch Manager and/or Internal Auditor.

 

• Performs all related duties to support the Loan Department in the management of customer loans/leases.

• As needed, run credit reports, pull flood determinations, order appraisals and title work, and conduct account research.

• Assists lending officers in the preparation of pre-funding worksheets, HMDA data collection, loan/lease documentation checklists and any the use of any outside resources such as the Military Lending Account, and Geocoding, etc. that is necessary to properly submit a loan/lease package to the Loan Processing department.

• Prepares appropriate loan/lease disbursement entries (cashiers checks, deposit, wire transfer, etc.) on signing date and according to loan disbursement instructions provided by Lender.

• Remit payments to third party vendors including appraisers, insurance companies, and title insurance companies.

• Responsible for collateral perfection including recording mortgages, UCCs, CNS filings, titled units, etc.  

• Monitors and maintains customer loan/lease files.

• Monitors and maintains the loan tickler system. The tickler system is used to track and ensure customer financial information is current and all loan collateral is secured. Items tracked include but is not limited to: mortgages; title policies; UCCs; lien cards; collateral insurance; customer financial statements; etc.   

• Doc imaging of complete loan/lease files.

• Processing of loan/lease payoff requests, payoffs, and payments.

• Monitor loan payoff report and ensure all necessary steps are completed to close out the loan.  Release any loan collateral at the direction of the lender responsible for that account relationship.

• Prepares routine letters, reports, and forms.

• Provides support to all areas of the office where service or assistance is needed.

• Provides excellent customer service in regards to customer deposit account balances, loan balances, and payoff requests.

• Maintains adequate supplies in loan support area: fills copiers, fax and printers with paper and ink as needed; and monitors customer access areas and bank lobby to ensure relevance and timeliness of marketing materials and publications.

 

• Proficiency with Word, Excel, Outlook, Windows and Web.

• Ability to operate a 10-key calculator, and other office equipment.

• Must have strong inter-personal skills and a professional personal brand.

• Perform duties in compliance with policy, procedure and process.

• Self-motivation. 

• Must be able to navigate through the website/mobile app.

• Ability to maintain discretion and confidentiality.

• High level of accuracy and timeliness.

• Ability to multi-task and organize priorities.

• Attention to detail.

• Possess a strong desire for initiative.

• Strong aptitude for problem solving.

• Maintain knowledge of service and selling standards.

• Ability to read and interpret documentation such as operating and procedure manuals.

• Ability to work with minimal supervision yet respect authority.

• Customer service orientation essential.

 

• Notary Public.

• Other duties as assigned.

 

High School Diploma or GED; Associates of Arts or Science (2 year degree)

 

Banking experience with a retail and loan support operations background is preferred.

 

• Well-lit, temperature-controlled indoor office setting with adequate ventilation and moderate noise level, only occasionally requiring exposure to outdoor weather conditions.

• Primarily sedentary physical activity performing non-strenuous daily activities of an administrative nature often requiring sitting, talking, and listening.

• Manual dexterity sufficient to work with the fingers.

• May occasionally be required to lift and/or carry over 10 pounds.

 

1. This position description in no way states or implies that these are the only tasks to be performed by the person occupying this position. The incumbent will be required to follow any other instructions and to perform any other position-related duties.

2. Requirements are representative of minimum levels of knowledge, skills, and/or abilities. To perform in this position successfully, the incumbent will possess the abilities and aptitudes to perform each task proficiently.

3. Ability means to possess and apply both knowledge and skills.

4. This position description has excluded the marginal or peripheral functions that are incidental to the performance of primary functions. All requirements are essential to the function of the position.

5. This position description describes the minimum selection requirements to qualify for the position. However, promotion and other employment decisions are also based on Bank needs, being in good standing, fully-competent performance, and other nondiscriminatory issues.

6. All requirements are subject to possible modification to reasonably accommodate individuals with disabilities.

7. This position description does not create an employment contract, implied or otherwise, other than an at will employment relationship.

8. Punctual and regular attendance are a requirement of this position.

 

Star Bank offers a comprehensive benefits package including, health, dental, and vision insurance, company paid life, AD&D and LTD insurance, employee assistance program (EAP), competitive 401(k) retirement savings plan, eleven paid holidays annually, paid time off (PTO), birthday off, and volunteer time off.