The Lending Universal Banker builds lasting relationships with clients by being their trusted financial advisor and recommending personalized products and services. Opens and maintains customer accounts and consumer loans; performs related account maintenance. Processes client transactions, maintains and balances a cash drawer and/or vault and identifies the needs of clients while cross-selling appropriate Bank products and services. Understands and completes job responsibilities in accordance with federal and state regulations. Essential Functions Client Relationships 60% Identifies the financial needs of our clients Cross-sells Bank products and services to clients Opens and maintains retail deposit accounts Reviews and approves consumer loan applications Troubleshoots and resolves client concerns Performs debit card and internet banking maintenance Personalizes all client interactions Assists clients via phone, email, and in-person Reaches out to existing clients and prospective clients Documentation 20% Completes all required account and loan documentation Ensures all regulation requirements are met Teller Operations 15% Processes client transactions Maintains and balances cash drawer and/or vault on a daily basis Additional Duties and Responsibilities 5% Closes Bank as needed Participates in internal and external training and development opportunities as required Other job related duties necessary to carry out the responsibilities of this position