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Job Overview

Responsible for processing customer transactions, completing customer initiated account maintenance and all other tasks associated with customer requests. Originate new deposit accounts and consumer loans.  Responsible for initiating, enhancing and maintaining customer relationships by providing Exceptional Service and Sensible Advice. Able to probe for information regarding customer's needs and provide effective solutions. Maintain a well-developed working knowledge of bank products and services, taking responsibility to keep up-to-date on changes. Universal Bankers generally have one year of banking experience or professional sales experience in a service-oriented environment Principal Accountabilities

Represent the Bank to the customer in a courteous, professional manner in face-to-face and telephone communications. Provide timely, efficient, and accurate service in processing transactions in accordance with all regulations, policies and procedures. Maintain a well-developed working knowledge of bank processes, products and services, as well as banking regulations including Bank Secrecy Act (BSA).  Develop and enhance customer relationships to identify cross selling and referral opportunities. Actively protect confidentiality of customer and account information. Demonstrate Horizon Bank's commitment to the communities in which we serve through support of local organizations and events. Duties

Process customer transactions, customer initiated account maintenance, and all other tasks associated with customer requests. Report suspicious transactions or unusual occurrences to supervisor. Train on vault responsibilities for management of cash inventories Efficiently gather customer information, identify financial needs, and educate customer on products and services. Recommend products based on the customer's needs. Originate new deposit accounts including checking, savings, ATM/Debit Cards, money market, CDs, IRAs and commercial accounts. Originate and provide advice on consumer loan products including personal loans, installment loans, home equity loans and lines of credit. Originate business deposit accounts, associated services and refer additional products and service to Treasury Management or Business Banker. Process basic life events including distribution of customers' estates to beneficiaries from any deposit account. Recommend referrals to trust department when appropriate.Educate customers on digital banking services and encourage electronic banking and e-statement adoption. Develop long-standing relationships with customers by providing Exceptional Service and Sensible Advice through knowledge of bank products and services such as business, commercial and mortgage lending as well as trust services. Participate in all office marketing and sales projects and promotions. Partner with branch advisors to uncover customer needs and cross-sell opportunities. Effectively use risk management tools to mitigate risk and minimize exposure to loss. Report unusual activity following established procedures. Maintain established controls such as identification procedures, check holds, and all other pertinent verification necessary to transact business. Promptly address customer questions and concerns through investigation. Report to management to formulate corrective action. Conduct and document periodic risk reviews and run reports as needed. Perform all work in compliance with established regulations, policies, and established procedures. Maintain customer privacy and protect bank operations by keeping information private and confidential. Participate in ongoing skill, sales training, compliance, risk management and security training as required for the position and apply knowledge in daily tasks. Other duties as assigned. Qualifications & Skills

High school diploma or equivalent.