Universal Banking Manager

Merchants Bank is seeking a servicedriven relationshipfocusedUniversal Banking Manager to join our Retail Banking team. This leadership role oversees Universal Bankers within the Lakeville/Rosemount/Apple Valley market and ensures the delivery of exceptional customer experiences across all channels. This position plays a key role in developing staff deepening customer relationships supporting consumer lending and promoting a culture aligned with our One Merchants individual will serve as both a leader and a handson bankerproviding direct customer service coaching and mentoring teammates assisting with complex customer needs and ensuring operational excellence. The ideal candidate demonstrates strong customer service expertise sales leadership problemsolving abilities and a high degree of Merchants BankMerchants Bank offers competitive compensation and a comprehensive benefits package including health dental life disability and vision insurance; flexible spending accounts; 401(k) and ESOP retirement plans; a bonus plan; paid time off; tuition reimbursement; and additional voluntary insurance onApply Nowor applyin personat any Merchants Bank location. Questions can be emailed to Bank is an Equal Opportunity Employer of women minorities protected veterans and individuals with Summary:This position will oversee Universal Bankers in a defined market and ensure that we are providing exceptional customer service to customers (internal and external). This position will have direct customer contact daily and will require tact courtesy and a genuine desire to serve others. Must be capable of applying effective problem solving and resolution when assisting Universal Bankers and serving customers. Will participate in the hiring process performance reviews and coaching/mentoring teammates. This position plays a crucial role in building customer relationships. You will also play an important role in fraud position requires proven customer service leadership and communication skills. Requires an excellent background in Bank products and a general banking knowledge of all Bank services. A minimum of four years of front-line banking experience required. Requires initiative and judgment necessary to determine and interpret the needs of customers. Excellent personal sales ability is and the ability to lead and motivate a team to achieve sales goals is also a key expectation of this high degree of customer contact requires tact courtesy and a genuine desire to serve Duties:Culture:Represents Merchants Bank in a manner aligned with our aspiration to be the financial institution of choice and recognized as a top business leader in the communityExemplifies exceptional customer experience standards by modeling the way in the marketFocuses on staff development coaching and team building and serves as a mentor to the Universal to expectations in areas of transparency and communication to ensure internal stakeholders on the team have a strong connection to the strategic direction of the CompanyEmbraces and embodies the One Merchants culture of responsibility setting the tone living our core values and holding others accountable through a collaborative process of ongoing and consistent improvement effortsLeadership:Supervises activities of Universal Banker levels I II III;Make hiring decisions do performance reviews and coaching/mentoring ensure that team members have the tools education and support they need to respond to internal and external customers in an efficient manner and while providing exceptional customer motivate Universal Bankers to reach sales goals by creating a positive department knowledge of and adheres to all applicable laws and regulations and policies and procedures relevant to Merchants excellent fraud prevention and resolution procedures at all diagnose customer needs and proactively offer new opportunities to customers by cross-selling or referring to appropriate business line to deepen customer relationshipsDe-escalate situations involving dissatisfied customers offering patient assistance and analyze and resolve customer issues; determine appropriate resolution; manage difficult customer situations and follow up on resolutions to ensure customer Universal Banker team and customers in resolving issues within our digital for ensuring testing and product knowledge is completed by entire be responsible for completing workflow requests and internal processesAbility to do business analysis of DDA Producing Manager:Establishes effective working relationships with customers; obtains necessary information to determine creditworthiness to make sound financial the preparation of the appropriate loan documentation ensuring all terms and conditions are accurate and as be willing to collect on loansAttends to the needs of potential real estate customers for in-house with regulation changes in regards to Consumer Lenders at all through on loan transactions and department and initiates cross-sales opportunities of other banking products and takes appropriate action in directing customers to other banking departments for further service and establishment of ongoing account maintenance to customers; responds to customer inquires and concerns in a timely accurate and professional for individual loan fee income and referral goals and expected to participate in over-all department bank and MFGI include crop insurance confidentiality and confidence are critical to the success of this Customer Service:Ensure that internal and external customers receive outstanding service from every employee (and speak up when they do not).Be efficient and accurate when processing customer transactions as outlined in current policies and proceduresProvide excellent customer service by greeting customers seeking to understand their needs and offering them personalized high-quality consultative conversations to uncover needs and customer issues and concerns promptly and effectively; escalate when proficient and happily able to assist customers on the systems including internet banking products bill pay e statements mobile banking telephone banking and anything else the customer may need assistance Building:Build strong relationships with customers to understand their financial goals and identify opportunities to meet their long-term customer loyalty through ongoing relationship management and exceptional strong internal relationships with immediate coworkers as well as Merchants Bank employees in all shared services and Business Development:Meet or exceed individual and team/branch sales targets for banking products (such as deposit accounts loans and credit cards) to contribute to overall business and direct Universal Bankers to conduct outbound sales activities (such as prospecting lead generation and follow-up on sales opportunities).Respond to all customers inquires and forward any appropriate requests to other bank products by answering inquires; inform customers of new services and product external customer meetings as in partnership banking visits as Knowledge:Ensure team members maintain in-depth knowledge of the banks products services and customers on the features benefits and terms of various banking products to help them make informed updated on industry trends regulatory changes and competitive offerings to provide accurate and up-to-date information to and Risk Management:Complete all required compliance training and certifications on time to maintain a comprehensive understanding of compliance requirements. Ensure the Universal Banker team completes all required Privacy Codes/Security word as well as update email addresses and contact transactions efficiently and accurately ensuring compliance with internal policies procedures controls and banking all bank policies procedures and regulatory guidelines to ensure compliance and mitigate to security and fraud prevention measures to safeguard customer information and bank information regarding legal and fraud issues to protect customers and retailers against :Perform various administrative and operational tasks when opening and closing accounts account maintenance and changes and documentation. Follow maintenance and closed account procedures for all types of deposit working in the Teller area process financial transactions including receiving deposits and loan payments cashing checks issuing withdrawals recording night deposits selling cashiers checks and money orders as well as answering customer questions. Maintain a balanced cash drawer and maintain an accurate supply of cash and central file information when working with account portfolios & compliance regulated submit customer workflow/task requests as required in the appropriate the daily overdraft report to proactively catch your customers before they with any and all audit regulations concerning the security of your work area and branch all other duties as assigned to increase performance of request to cross-train for additional position will report directly to Retail Banking Manager with performance and direction engagement from the Market that all team members collaborate to ensure branch operations run smoothly and team members and participate in trade shows promotional events and marketing activities during work ours and on evenings and weekends as in community activities to actively promote the to a positive working environment through words and Working Conditions:Climate-controlled inside working environment with low noise level. No environmental hazards or chemicals. While performing the duties of this job the employee is regularly required to sit and stand; must occasionally lift and/or move up to 35 pounds. This position requires extensive work on a computer and Skill RequirementsA minimum of four years of front-line banking experience must desire leadership to coach and train staffHigh degree of tact and professionalismMust be skilled at handling sensitive communication and interpersonal skillsStrong customer service skills and success handling difficult customer ability to stop pause and speak up when concerned about a coworkers or customers to use intuition and common sense to carry out instructions understand procedures speak professionally and clearly to customers and employees as well as to escalate to supervisor when time management skills and the ability to multi-task and math skills and computer system to learn and follow established regulatory and compliance guidelines policies and attention to detail.A genuine desire to have engaging conversations with customers to identify and solve customer needs as well as to offer additional appropriate products and service solutionsWork Habits:Maintain a neat and organized work areaProject a well groomed and professional appearanceAdhere to bank policy on absenteeism and the establish work hoursAvoid personal phone calls text messages and non-business related emails (internal and external) and internet usage (unless in an urgent situation).Cooperate and collaborate with other staff to supervisory guidance and direction ask good questions listen and do the appropriate detective work to either help yourself or our :Regular and dependable on-time attendance is an essential function of the within the established time to complete duties without sacrificing service to calm professional and focused under assignments independently and in a timely mannerAccept accountability for personal and bank well to changeFlexible to changing needs such as staffing needs for the BranchIs confidential (Internal and External)Is a team player