Job Type
Full-time
Description
Quad City Bank & Trust and QCR Holdings, Inc.
Job Description
TITLE: Universal Banker I
REPORTS TO: Teller Supervisor I
DEPARTMENT: Retail
LOCATION: Bettendorf, IA
CORPORATE OVERVIEW:
About Quad City Bank & Trust: The vision to create an organization where relationships and service matter has guided Quad City Bank & Trust in the past and will continue on as the strategy far into the future. From the beginning, we've made it our priority to provide a level of service unmatched by any financial institution - large or small. It's a part of our personality - a combination of each of our employee's trustworthiness, professionalism, passion, and talent. Together, we foster relationships by providing our clients real advice and real solutions. It's who we are...People you can bank on.
About QCR Holdings, Inc. : QCR Holdings, Inc., ("QCRH") headquartered in Moline, Illinois, is a relationship-driven, multi-bank holding company, which serves the Quad Cities, Cedar Rapids, Waterloo/Cedar Valley, Des Moines/Ankeny, and the Springfield, Missouri communities through its wholly owned subsidiary banks, and also engages in commercial leasing through its wholly owned subsidiary, m2 Equipment Finance, LLC based near Milwaukee, WI.
QCRH Mission Statement : We make financial dreams a reality.
Our Values: All QCR Holdings team members are expected to maintain the highest ethical standards and demonstrate our core values of: Passion, Innovation, Collaboration, Achievement, Accountability, and Inclusion. In alignment with QCRH's culture, this individual will invest in relationships and accept accountability for cultivating a culture that's welcoming and provides a strong sense of belonging and safe space to all people both internally and externally; while doing business within and on behalf of QCRH, and all of its subsidiary entities.
Our Commitment : We are committed to fostering and preserving a culture of diversity, equity, and inclusion. It's our differences - of every kind - that make our company and our communities better.
JOB SUMMARY: The preferred candidate for this position will possess the ability to achieve success as an independent contributor with minimal direct supervision and oversight, as well as a collaborative teammate within QCBT's Division St Branch and Retail Department, all QCBT internal and external clients and partners, and the QCRH organization as a whole. The Universal Banker's primary responsibility is "meeting or exceeding client expectations" by providing a best-in-class partnership as a competitive advantage to current and prospective clients. They will operate as both a Teller and an Account Executive, and must have the ability to fully learn and succeed in both roles. The ability to quickly create a connection, establish a sense of rapport and professionalism, embrace a mindset of curiosity with challenging client issues, and listen with the intention of understanding are essential to the success of this role. This position is responsible for processing client transactions in a consistently efficient and accurate manner while following established policies and procedures of the Bank as well as providing clients with accurate information about the Bank's products and services, opening customer accounts, and processing transactions as it relates to those accounts while delivering an exceptional client experience. Individuals in this position must thoroughly understand all the Bank's products and services to determine which best meet the customer's financial needs. In alignment with QCBT and QCRH's culture and employee strategic initiatives, this individual will invest in relationships and accept accountability for cultivating a culture that's welcoming and provides a strong sense of belonging and safe space to all people, both internally and externally, while conducting business on behalf of QCBT, QCRH, and any and all of its subsidiary entities. This position will be responsible for providing relevant, reliable, and timely information to key stakeholders in a consistent manner while maintaining the highest ethical standards and modeling our core values of: Passion, Innovation, Collaboration, Achievement, Accountability, and Inclusion. An active dedication to investing in community partnerships and participation is encouraged and part of our collective culture and brand.
ESSENTIAL FUNCTIONS: • Provide a best-in-class experience that's elevated, polished, and professional to internal and external customers at all times. This includes a commitment to actively cooperate and interact with other departments and facilities to advance the overall interests of Quad City Bank & Trust. • Process customer transactions according to standard operating procedures with polished and elevated professionalism maintaining the Bank's established performance criteria and Accountability Standards. This role requires the Accountability Standards outlined to be completed in a consistent, conscientious, alert, and process driven manner. • Process customer deposits and withdrawals with care by verifying all cash or endorsements, examining items for negotiability, and issuing receipts according to established procedures. • Cash checks and other negotiable items. • Disburse loan proceeds, credit card cash advances and travel letters. • Accept payments on loans, contracts, commercial withholding taxes, county taxes, safe deposit boxes, credit cards, and ensure items and associated tasks are promptly and accurately processed. • Must possess the ability to ask for support, assistance, supplemental or additional training, from supervisor or bank officer regarding challenging client interaction or any transaction that may raise concern or trepidation from a security or risk perspective. • Uphold the integrity, ethics, confidentiality, security, and safekeeping of all sensitive or identifying information, currency, coin, and other negotiable instruments. • Complete additional transactions including, but not limited to, issuing cashier's checks, certified checks, EE bond and money orders; processing orders and change orders; processing and issuing receipts on items left for collection, night drop and mail deposits, ensuring all transactions are processed and recorded promptly and accurately. • Combines non-negotiable processes and procedures with nuanced client needs to create the best experience. Follows dual controls and other checks and balances that are put in place as a tool designed to support employee success regardless of transaction volume or client needs that carry a sense of urgency. • Balances cash drawer according to established procedures and standards paying special attention to reporting and collection of teller cash differences and operating losses as well as balance and run vault. • Must have a willingness to achieve a level of consistency and mastery is an important component to success as a part of the QCBT retail team. Maintain the highest level of security by ensuring that security procedures are followed with completeness, including Ensuring all transactions are properly documented and recorded, determining authenticity and validity of documents, keeping all cash secured when away from window, following proper robbery and hold-up procedures, and Protecting customer confidentiality. • Complete IRS forms No. 4789 "Large Currency Transaction Report" and ensuring compliance with federal regulations. • Support security testing, internal and external audits, and regulatory and compliance exams with a prioritized sense of urgency. • Provide support and assist in balancing ATM machine in a secure, timely, and accurate manner according to established procedures. • Responsible for developing a strong knowledge of bank products/services in order to refer customers to the appropriate individuals for service and best client experience. • Complete assigned tasks, make informed decisions and judgment calls, evaluate client needs within a critical but unbiased framework. Makes critical decisions based on training, education, knowledge, background, and experience and can discern best path amidst a multitude of scenarios and variations to those scenarios. • Learn and implement QCBT and QCRH's standard processes, practices, workflows, time-sensitive activities, communication preferences, and other cultural and organizational customs to enhance client experience and collaboration. • Adopt a solutions-focused mindset, attitude, and approach to problem-solving specifically when facing high stakes deliverables and deadlines. • Exemplify a passion for excellence, quality, and contributing to QCRH's culture of inclusion and the investment in people and relationships. • Ability to independently plan, schedule, and prioritize mission critical dates, times, locations, and people needs in order to achieve maximum success as a value-added contributor to the retail team at QCBT. • Consistently invest in building and growing key relationships, establish trust, perform as a dependable, reliable, and valuable teammate when working directly with clients, other team members and stakeholders of the bank and holding company. • Develop a presence in the community to build, expand, and leverage meaningful relationships. Embrace and welcome connecting opportunities with community and business leaders from diverse backgrounds and industries. Invest in establishing a referral base with QCBT's target audience: legal, accounting, finance, commercial real estate, and insurance. • Attend meetings as requested or needed to accomplish work assigned, deliver on expectations, demonstrate team accountability, fully engage in meetings, committee meetings, or community meetings with a high level of professional and cultural discernment. • Keep an open mind regarding additional project assignments, additional team support, considering new ideas, challenging bias and preconceived notions, and the ability to be both self-aware and self-reflective.
QUALIFICATIONS: • High school diploma, technical certificate, or equivalent required. Associate or bachelor's degree in business, finance, or related field highly desired. • A minimum of two years of banking, customer service, or retail required. Background, experience, and the ability to create value are also strong considerations. • Previous success in a cash handling/cash transaction role dependent on the accuracy of numeric calculations is required. • Ability to use and learn different business tools and technological solutions. Must possess proficient computer skills, ability to perform data entry with a high level of accuracy, ability to use Microsoft 365 products, and provide clear, concise, and professional written communication when needed. Must develop proficiency with FISERV/ITI applications and excel in areas of math and finance. • Ability to work successfully with diverse individuals of many different backgrounds and capabilities through issues that can be challenging and complex and carry a sense of urgency. • Must have the desire and ability to provide and receive sensitive and confidential information in a manner that creates and maintains safe space and relies upon a strong emotional intelligence skillset. • Ability to review, assess, prioritize, organize, manage, and execute on a variety of tasks simultaneously and work independently to meet the required deadlines assigned. Strong communication capability to articulate roadblocks, bottlenecks, the need for assistance, or the courage to take accountability with difficult challenges. • This job requires extended periods of standing, requires the ability to lift 50 pounds, and must be available to work on Saturdays. Must be able to adhere to the QCBT Retail Attendance Policy requirements. • Ability to engage in consultative financial analysis of customer needs, develop creative, workable, needs based solutions to sell Bank products and services. • Ability to comply with all requirements of the Bank Secrecy Act that are applicable to this position, as well as, with the Bank's BSA Policy/Program and procedures. Employee will also participate in BSA training at least annually. • Requires the ability to travel to various bank locations, customer sites, training, and workshop locations, and consistently succeed at on time attendance for work and the ability to work extended hours when necessary. • Committed to fostering and preserving a culture of diversity, equity, and inclusion. • This position requires S.A.F.E. Act registration at the time of employment. The Nationwide Mortgage Licensing System (NMLS) web site ( mortgage.nationwidelicensingsystem.org ) provides the MU4R questions and registration required for employment in this position.
Quad City Bank & Trust is an equal opportunity employer. All qualified applicants will receive consideration for employment without regard to race, color, religion, sex, disability, age, sexual orientation, gender identity, national origin, veteran status, or other protected class status.
It is the policy of Quad City Bank & Trust to comply with the Americans with Disabilities Act by providing reasonable
accommodations to enable qualified individuals with disabilities to access the job application and interview process,
to perform the essential functions of the job, and to receive equal access to other benefits and privileges of
employment.