Job Description

Job Title: Universal Banking Specialist III

Department: Aspen Retail Sales

Status: Non-Exempt

Salary Range: $65,000 - $80,000

(Aspen's branch of Timberline Bank is hiring to fill  one Universal Banking position. Although two job listings are live, the difference is based upon experience and previous banking knowledge.)

Position Summary

The Universal Banking Specialist III is a full-time, non-exempt role that builds on the Universal Banker II by handling more complex business services and advanced cash management solutions. In this position, you will deliver exceptional customer service and tackle intricate client needs while ensuring compliance with banking regulations. You will also play a crucial role in training and supporting new hires, helping them master teller and account management functions. This role demands a high level of expertise and problem-solving skills, contributing significantly to the branch’s operational success and team development.

Essential Duties and Responsibilities

• Provide quality customer service promptly and courteously at all times.
• Determine customers' needs, offer solutions to meet those needs, and engage in ongoing problem-solving.
• Maintain complete confidentiality regarding sensitive customer and proprietary information.
• Assist with customer service-related issues and resolve problems in a timely manner.
• Proficient in diagnosing and troubleshooting technical issues in person, over the phone and via email in an efficient, timely, and professional manner.
• The Universal Banking Specialist III works with the Assistant Retail Banking Manager and the Retail Banking Officer or Senior Consumer Lender to identify, analyze, and offer cash management products and services to established business customers and targeted prospective corporate clients.
  • Assist in building and maintaining relationships with business customers.
  • Perform hands-on customer setup and service maintenance for all cash management products and services.
  • Travel to client sites for equipment and software installation, training, and troubleshooting, adhering to Timberline Bank policies.
  • Provide cash management support by reviewing documentation for accuracy, tracking exceptions, and troubleshooting technical issues in person, over the phone, and via email.
  • Support cash management products by reviewing setup documentation, completing system setup, and training customers and the Universal Banking Team.
• Serve as a backup to the Universal Banking Team by opening deposit accounts and assisting with customer inquiries about bank services, including research and timely responses.
• Inform customers about procedures for services such as ATM cards, direct deposit, and certificates of deposit.
• Possess thorough knowledge of business online banking, remote deposit capture, wire transfers, mobile banking, and other complex business solutions.
• Open both walk-in business and personal deposit accounts and address related customer queries.
• Promote non-interest income products, including merchant services and credit cards, and assist with RFPs.
• Adhere to audit, security, and compliance guidelines, with a solid understanding of relevant policies and procedures.
• Ensure accurate teller drawer balancing in compliance with bank policies and assist with out-of-balance research.
• Oversee teller activities to adhere to bank policies, and provide support with cash discrepancies, daily balancing, and transaction overrides.
• Perform research on and resolve fraudulent debit card transactions, including disputes, limit adjustments, placing holds, and stop payments.
• Assist with domestic and international wire transfers, including understanding wire procedures, fees, and customer inquiries, and collaborate with the Wire Team to resolve issues.
• Process teller transactions efficiently, meeting cash handling and disbursement standards.
• Serve as a backup for the Assistant Retail Banking Manager and/or Deposit Operations Leader in preparing and verifying cash shipments, branch orders, and foreign currency orders.
• Monitor ATM usage and maintenance on a weekly basis.
• Actively participate in customer solution activities, including researching and resolving customer inquiries and concerns, participating in wire transfer activities, and handling funds transfers such as line of credit advances and account-to-account transfers.
• Assist with training new Universal Banking Specialists on teller and new accounts functions.
• Support new hires in mastering teller operations, customer service, and account management.
• Provide ongoing assistance and solutions to ensure effective performance and integration within the Universal Banking Team.
• Expected to regularly attend internal departmental trainings, including but not limited to New Accounts, Risk Management, Deposit Operations, Security, Customer Excellence, and other related sessions as assigned.
• Meet performance goals, referred to as "rocks," as assigned by the Assistant Retail Banking Leader.
• Duties may be expanded as experience is gained and professional goals are achieved.

Required Knowledge and Expertise

• High School Diploma or GED.
• Colorado Notary preferred.
• Banking Knowledge: Expert understanding of complex banking services, including advanced business solutions, cash management, and regulatory compliance.
• Communication and Organizational Skills: Exceptional ability to communicate clearly and manage multiple priorities, with strong organizational skills and the ability to handle intricate problem-solving scenarios.
• Team Collaboration: Proven leadership in fostering team collaboration, including training new team members and supporting team development while maintaining positive team dynamics.
• Regulatory Knowledge: Extensive knowledge of banking regulations and compliance requirements, with the ability to oversee and ensure adherence to these standards across various banking functions.
• Ongoing Education: Strong commitment to continuous learning and professional growth to remain at the forefront of banking practices and industry regulations.

Why Timberline?

At Timberline Bank, we're more than just a local bank—we're a vibrant community dedicated to exceptional service. Our motto, "Better, Faster, Easier—Always," reflects our commitment to delivering excellence with a personal touch. As a locally owned institution, we take pride in treating each customer as an individual, not just an account number.

At Timberline Bank, our culture revolves around empowering our team from within, as seen in our commitment to internal promotions and our tiered departments that offer room for growth. We are a community-focused bank that actively reinvests in local initiatives, demonstrating our dedication to the areas we serve. As trusted advisors, we aim to teach our customers the rule book of banking, helping them achieve their financial goals and guiding them on how to reach their targets. We believe in enjoying our work and celebrating success together, whether through internal events, recognizing milestones, or participating in our sports and book clubs. At Timberline Bank, you'll find a workplace that values personal growth, community involvement, and a collaborative spirit.

What We Offer:

• Central Location: Our office is on Aspen’s main street, allowing for regular team outings like winter sports, hiking, team dinners, and barbecues.
• Comprehensive Insurance: 100% employee-paid premiums for vision, dental, and health insurance (2 out of 3 plans fully covered), plus life, accidental death & dismemberment, and short/long term disability insurance.
• Paid Time Off: Start with 16 days of PTO per year from day one, with potential for growth and paid bank holidays.
• 401(k) Plan: Eligibility after 6 months of employment, with a 5% match in Timberline Bank stock.
• Clubs and Activities: Join our Hiking or Mountain Biking Clubs, with bank-sponsored rides/trips open to all branches.
• Ski Pass Contribution: An annual contribution of up to $300 towards a ski pass.
• Gym Reimbursement: Our gym reimbursement program covers a wide network of gyms and fitness centers ($400.00 contribution per year)
• Employee Assistance Program (EAP): Access to employee & dependent counseling services, will preparation, worldwide travel assistance, and an employee discount marketplace.
• Tuition Reimbursement: Up to $1,000 per semester for completed classes and/or job-related training.

**Pursuant to the Colorado Equal Pay for Equal Work Act and Equal Pay Transparency Rules, the salary range above represents the low and high end of the salary range for this position. Actual salaries will vary and may be above or below the range based on various factors including but not limited to location, experience, and performance. The range listed is just one component of the total compensation package for employees. Incentives based on Timberline Team goals may also be offered. In addition, Timberline Bank provides a variety of benefits to full time employees, including health insurance coverage, vision insurance, dental insurance, life and disability coverage, 401K plan, paid holidays and paid time off.

Equal Employer Opportunity Statement

Timberline Bank prohibits discrimination and harassment of any type without regard to race, color, religion, age, sex, national origin, disability status, genetics, protected veteran status, sexual orientation, gender identity or expression, or any other characteristic protected by federal, state, or local laws. All job requirements in the job description provided indicate the minimum level of knowledge, skills, and/or abilities deemed necessary to perform the job competently. Job descriptions are an overview of the duties, responsibilities, and requirements of the position. Employees may be required to perform other job-related assignments as requested. OUR COMPANY ADHERES TO A POLICY OF EMPLOYMENTAT-WILL, WHICH ALLOWS EITHER PARTY TO TERMINATE THE EMPLOYMENT RELATIONSHIP AT ANY TIME, FOR ANY REASON, WITH OR WITHOUT CAUSE OR NOTICE.

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