Universal Banker - Operations & Lending Specialist

Description

The Universal Banker operates as a multi-functional financial services professional in a small retail banking environment. This hybrid role seamlessly integrates high-volume teller transactions, comprehensive deposit operations, and consumer/small business loan operations into a single point of contact for bank customers. The ideal candidate switches fluidly between transaction processing, account management, and credit operations while maintaining strict regulatory compliance and accuracy.

• Process comprehensive customer transactions including cash deposits, withdrawals, loan payments, check cashing, and official check issuance.
• Operate, balance, and maintain accountability for an assigned cash drawer.
• Verify endorsements, counterpresents, signatures, and customer identities to proactively mitigate fraud and transaction risk.
• Manage branch vault cash, ATM balancing, and night depository processing as assigned by management.
• Answer phones.
• Open new accounts.
• Order checks.
• Other duties as assigned.

• Run daily work.
• Scan CIF, deposit, and debit card forms.
• Post loan payments/advances.
• Account reconciliation for all branches.
• Conduct comprehensive account maintenance including processing wire transfers, stop payments, address updates, ACH originations, and debit card dispute management and travel notices. Will also order, print, and reorder debit cards.
• Resolve complex customer service inquiries regarding statement discrepancies, fee reversals, online banking access, and uncollected funds.
• Exception processing.
• Generate student graduate letters.

• Responsible for monitoring and maintaining information within the core system for insurance, financial statements, taxes, titles, etc.
• Responsible for post-closing follow-up duties and maintaining accurate and up-to-date loan files.
• Processes and presents all necessary filing, recording and acknowledgment instruments to public officials to perfect the bank’s lien priority position.
• Scans all loan documents into the document imaging system.
• Provide general administrative and operational support for the loan department.
• Perform local loan servicing functions including processing loan payoffs, perfecting collateral (UCC-1 filings, vehicle liens), and managing local exception lists.

Monday - Friday with Saturday morning rotation.

• Separate PTO and Sick Time Accruals.
• Up to 11 Paid Holidays.
• Company clothing credit.
• 401(k) with match.
• Health benefits with gracious employer contribution (FSA, HSA, Dependent Care FSA available).
• Company-paid life insurance benefits.
• Dental, vision, and additional voluntary life benefits.
• AFLAC benefits.