Universal Banker

About the role

The Universal Banker plays a key role in providing retail banking services and products to bank customers. In addition to performing a variety of tasks associated with transacting customer requests and verifying the completeness of retail banking transactions, the Universal Banker develops new business opportunities with current and potential customers.

Responsibilities

• Relationship and Business Development (40%)
  • Process new account transactions, including compiling and preparing new account paperwork and applications.
  • Identify the unmet needs of current and potential customers and offer appropriate products and services.
  • Promote and provide information to customers on new and enhanced products and services.
  • Cross-sell products and services to current and potential customers.
  • Open, maintain, and close all deposit account types.
  • Participate in community events to increase bank visibility and develop business opportunities.
• Customer Service (30%)
  • Assist customer inquiries and requests regarding current accounts.
  • Address questions or concerns about accounts, products, services, or transactions.
  • Provide support for online banking, mobile banking, remote deposit capture, safe deposit box access, ATM, and debit card requests.
  • Perform traditional teller functions, including processing deposits, withdrawals, loan payments, and bonds.
  • Answer customer inquiries about interest rates, service charges, and account histories while complying with disclosure requirements and privacy policies.
  • Handle incoming calls, assist callers with questions, and route them appropriately.
  • Greet and direct incoming bank visitors.
• Branch Operations/Ownership (20%)
  • Record all transactions promptly, accurately, and in compliance with bank procedures.
  • Balance and replenish cash in ATMs.
  • Order cash weekly and balance drawer daily; investigate and resolve out-of-balance conditions.
  • Sell prepaid travel and gift cards; maintain logs and inventory.
  • Buy and sell currency from the vault, ensuring teller drawer cash limits are not exceeded.
  • Maintain currency logs, target cash levels, and balance the vault daily.
  • Sort and distribute work from other offices; process mail and night depository transactions.
  • Operate bank equipment such as computers, telephones, and copiers.
  • Ensure compliance with federal banking regulations, including Bank Secrecy Act, OFAC, Community Reinvestment Act, ADA, Right to Financial Privacy Act, Gramm-Leach-Bliley Act, and Federal Reserve regulations.
  • Ensure customers understand rates and FDIC insurance for depository accounts.
• Additional Responsibilities (10%)
  • Work overtime as needed.
  • Provide assistance to other departments as required.
  • Perform other assigned duties.

Requirements

• Education: High School Diploma or equivalent (required); post-secondary certificate or degree in Accounting, Finance, or Business (preferred).
• Experience: 1–2 years in banking, insurance, or a related field (required); previous office experience (preferred).
• Licenses and Certifications: Notary (preferred).

Skills

• Accountability – Holds self and others to commitments.
• Accuracy – Thorough and detail-oriented; ensures error-free work.
• Active Listening – Fully attentive to others; asks clarifying questions.
• Conceptual Thinking – Identifies patterns in unrelated situations.
• Confidentiality – Maintains strict confidentiality.
• Community Development – Committed to community growth.
• Critical Thinking – Applies logic and rules to problem-solving.
• Data Entry – Proficient in alpha/numeric data entry.
• Detail-Oriented – Carefully monitors and reviews work for accuracy.
• Ethical Conduct – Adheres to banking standards and values.
• Integrity – Acts honestly and with integrity.
• Respect – Treats others with respect.

Physical Requirements

• Sitting: 90%
• Standing: 5%
• Walking: 5%
• Fine manipulation of hands: 85%
• Lifting: Up to 10 lbs daily
• Carrying: Up to 10 lbs daily
• Pushing/Pulling: Seldom
• Bending/Squatting: Rarely
• Reaching/Overhead: Occasionally
• Stress Level: High at times

This is a non-exempt, hourly, full-time position reporting to the Branch Manager.