Universal Banker - III

Universal Banker I - III Job Summary

JOB SUMMARY: The Universal Banker is responsible for delivering exceptional customer service by accurately processing a variety of financial transactions while identifying and meeting customers’ banking needs. This position processes teller transactions, opens and services consumer and commercial deposit accounts, obtains and maintains customer account information, and recommends bank products and services that best meet each customer’s financial goals. A successful Universal Banker is energetic, customer‑focused, able to multitask in a fast‑paced environment, and demonstrates strong organizational, communication, and relationship‑building skills.

Responsibilities and level of independence increase based on experience, knowledge, and demonstrated proficiency.

• Deliver prompt, accurate, and professional service during all customer interactions.
• Build positive relationships by identifying customer financial needs and recommending appropriate bank products and services.
• Educate customers on available deposit products, lending services, electronic banking, debit card services, and other bank offerings.
• Generate referrals to lending, business services, investments, tax services, and other specialty areas.
• Research and resolve customer questions, concerns, and account issues while providing timely follow‑up.
• Represent the Bank professionally within the community and participate in business development or community events as assigned.

• Process deposits, withdrawals, transfers, loan payments, cashier’s checks, money orders, cash advances, official checks, and other authorized transactions.
• Maintain and balance assigned cash drawer in accordance with Bank standards.
• Process night depository transactions and perform location opening and closing procedures.
• Assist with vault operations, ATM servicing and balancing, cash ordering, cash shipments, and branch cash management based on experience and assigned responsibilities.
• Process ancillary teller service transactions, including utility bill payments, license sticker renewals, property tax collections, and other authorized services.
• Identify and report suspicious transactions, counterfeit currency, fraud concerns, and unusual activity.

• Open, service, and maintain consumer and commercial deposit accounts appropriate to the employee’s level of training and proficiency.
• Complete account documentation, disclosures, and regulatory requirements accurately and timely.
• Perform account maintenance, including address changes, ownership updates, stop payments, debit card services, direct deposit changes, account closures, and other servicing requests.
• Assist customers with online banking, mobile banking, mobile deposit, bill pay, electronic statements, and other electronic banking services.
• Maintain accurate customer records while ensuring compliance with applicable regulations.

• Comply with all Bank policies, procedures, security standards, and regulatory requirements, including BSA/AML, CIP, OFAC, privacy, and consumer compliance regulations.
• Maintain operational accuracy while minimizing risk and adhering to internal controls.
• Complete required training and maintain current knowledge of banking regulations, products, and procedures.
• Perform other duties as assigned.

• Independently open, service, and maintain consumer and commercial deposit accounts.
• Perform complex account maintenance, including ownership changes, fiduciary and estate account servicing, and specialized account requests.
• Conduct comprehensive customer needs assessments and recommend appropriate financial solutions.
• Resolve complex customer service and operational issues independently.
• Perform advanced operational duties, including vault balancing, ATM settlement, branch cash management, and supervisor overrides.
• Serve as a resource for employees and assist with training and onboarding.
• Consistently achieve referral and relationship growth goals.