Universal Banker

Job ID
# of Openings
Retail Banker
FLSA Status


This position provides a full range of banking services to individual customers, with emphasis on personal financial counseling, lending and customer service.  Meets with customers to discuss personal financial needs and recommends ways in which the bank can serve those needs.  Responsibilities include opening new consumer or business deposit accounts, cross-selling bank products and services, reviewing credit history, processing consumer loans, assisting on the teller line and conducting other retail banking services.  Regularly reviews account relationships and contacts clients to further deepen the scope and profitability of the overall relationship.  This position is also responsible for answering and directing incoming telephone calls, greeting customers and directing them to the appropriate department or person. 


As a representative of Anchor Bank, this position, along with all others, is expected to adhere to high ethical standards and practices and to conduct him- or herself in accordance with Anchor Bank’s policies and procedures. In addition, he or she is responsible for managing the risks inherent in Anchor’s business over which control can be exercised.  All employees are responsible for reporting any improper activities or risks they become aware of.


Teller Duties

  • Processes customer transactions according to customer requests to ensure proper crediting or debiting of customer accounts, including all transactions received through mail, night drop or drop off’s. Transactions include cashing checks with assigned limits, processing savings and checking deposits and withdrawals, verifying signatures, processing loose coin transactions and accepting loan, credit card, utility and other payments.
  • Issues cashier and traveler checks, money orders and bonds.
  • Reconciles total deposits to ensure check is equal to deposit ticket and funds are available.
  • Processes cash advance and merchant credit card deposits by submitting to Elan for authorization and processing.
  • Maintains proper currency/coin level in drawer, keeps cash secure and organized, and maintains a high level of safety for the Bank.
  • Identifies potential problems such as counterfeit currency, check forgeries, check kiting and robberies and seeks assistance and direction from Assistant Bank Manager and/or Senior Teller.
  • Thoroughly reviews all transactions and prepares related paperwork for the processing department.
  • Promotes bank products and services by recognizing and understanding customer needs and by gathering information about the customer’s businesses and activities.
  • Provides extraordinary customer service by conducting business in a professional, friendly manner and by building long-term customer relationships.
  • Balances cash drawer by verifying that all currency/coin taken in and given out is equal to the amounts entered on the teller terminal.
  • Understands and adheres to all Anchor Bank standard operating policies and procedures and Federal and State banking regulations.
  • Attends all required compliance, training and staff/bank meetings.

Portfolio Management

  • Manages a portfolio of assigned bank customers to strengthen their relationship with Anchor Bank in conjunction with Bank Sales Manager.
  • Responsible for a high level of ongoing service with existing clients to identify and expand the number of services the Bank provides.
  • Generates new consumer loans.

Business Development

  • Effectively develops banking relationships with new and existing customers:
    • Opens new consumer and small business accounts including checking, savings, certificates of deposit, individual retirement accounts.
    • Provides consumer lending services: interviews customers, accepts applications, submits loans to CLU, closes loans with appropriate documentation, and conducts loan follow-up and collection if necessary.
    • Cross-sells bank products and services to achieve established bank and organizational goals.

Risk Management

  • Manages small business banking relationships in conjunction with the business bankers.
  • Collects or arranges for collection of delinquent consumer loans and overdrafts.
  • Reviews credits and develops action plans for distressed consumer loans.

Customer Service

  • Performs and manages various customer requests such as safe deposit boxes, ATM and debit cards, credit cards, notary and signature guarantee services and check approvals.
  • Effectively responds to customer inquiries, either by telephone or in person, regarding account status or error resolution.
  • Performs wire transfers and stop payments upon customer request.

Other Responsibilities

  • Is involved in community organizations and represents Anchor Bank throughout the community in appropriate community events.
  • Attends training seminars to enhance professional expertise.
  • Performs other duties as assigned.


Education and Experience

  • High School Diploma or equivalent.
  • At least three years of customer service experience required.
  • 3-5 years of consumer/retail banking experience preferred.
  • Ability to receive and maintain a NMLS certification.

Competency Requirements

  • Business Acumen - Basic understanding of and ability to apply general business and financial concepts, basic understanding of the business, strong product knowledge and ability to understand and navigate the social and/or political dynamics within the organization.
  • Communication - Clear, effective, and focused written, verbal, and non-verbal communication skills; solid listening skills; ability to effectively persuade and influence others and develop rapport; strong ability to identify customer needs and offer products to meet those needs.
  • Decision Making/Problem Solving - Ability to systematically evaluate alternatives and make quality decisions in a timely manner, ability to take appropriate risks.
  • Customer Engagement - Displays empathy, focus, and responsiveness toward our customers; ability to build and maintain relationships; seeks and anticipates customer needs; exceeds customer expectations and ensures customer satisfaction.
  • Interpersonal Effectiveness - Demonstrates personal warmth, authenticity, and patience; considerate and shows respect for others; displays self-motivation and conducts affairs in a professional manner; seeks feedback and adapts behavior.
  • Functional Expertise - Has the functional and technical knowledge, skills, and abilities to be effective in the role and demonstrates a commitment to continuously learn and improve these skills; seeks assignments and roles that expand or improve functional abilities; displays an ability to perform work at a high level of volume without sacrificing quality.

Other Knowledge, Skills, and Abilities

  • Must be eligible for and meet Anchor Bank’s requirement for SAFE Act registration.
  • Ability to respond to common inquiries or complaints from clients, vendors, regulatory agencies or members of the business community.
  • Ability to maintain confidentiality of all bank records and customer transactions.
  • Ability to calculate figures and amounts such as discounts, interest, commission and percentages.
  • Ability to work effectively under deadlines and pressure.



About Anchor Bank


Anchor Bank, N.A., has been helping Minnesota customers achieve financial success, one relationship at a time, since 1967. Always privately-held and family-owned, Anchor Bank has achieved its place as one of the largest community banks in Minnesota through a solid dedication to integrity, excellence, and commitment to its customers, its employees, and the communities it serves.


Our core values can be summarized as follows:

Do the right thing.

(Be) driven to deliver.

(Have a) collaborative spirit.

(Demonstrate) a commitment to serving our customers, employees, community and shareholders.


And critical to our success is attracting the right people.




Equal Opportunity/Affirmative Action Employer


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