Universal Banker ( Brooklyn, Harlem, Queens

Universal Banker

Consumer & Community Banking | New York, NY

Reports To:

Branch Manager | $21.00-$25.00 commensurate with experience

Title Universal Banker

Department Consumer & Community Banking

Reports To Branch Manager

Location Harlem (Manhattan), Brooklyn, or Queens, NY

Employment Full-Time | Non-Exempt

Availability Branch hours, including rotating Saturdays and some evenings, as business requires

Founded in 1948 and headquartered in Harlem, Carver Federal Savings Bank is the nation's largest and oldest continually Black-operated bank, a U.S. Treasury certified Community Development Financial Institution (CDFI) and federally designated Minority Depository Institution (MDI). For over 75 years, Carver has served the communities of Harlem, Brooklyn, and Queens with the conviction that access to quality financial services and real economic opportunity should not be determined by neighborhood or circumstance.

We reinvest more than 70 cents of every deposit dollar back into the communities we serve, 10 points above the CDFI standard. We hold an Outstanding rating on our Community Reinvestment Act examination. We are in a period of deliberate transformation, growing our institution, strengthening our team, and deepening our impact. The leaders who join Carver now will help determine what that next chapter looks like.

The Universal Banker is the first person most clients see when they walk into a Carver branch. That first impression matters. Every transaction is a conversation, every conversation is a relationship, and every relationship is an opportunity to show a client what it means to be served by a bank that was built for them.

The Universal Banker at Carver is not a transaction window. This role carries real expectations: deliver flawless transactions, provide informed and friendly client service, introduce Carver's products and services with confidence, and make qualified referrals to Personal Bankers when clients have needs that go deeper than the counter. The Universal Bank is the first step in a career path that can take you as far as your drive and performance will carry you.

At Carver we have built our frontline model around one central idea: the colleague at the transaction window is not just processing a deposit. They are building a relationship, we carry it in communities where that kind of personal, invested service has been too hard to find for too long.

Client Service and Transactional Excellence

• Process all client transactions accurately and efficiently, including deposits, withdrawals, check cashing, payments, money orders, cashier's checks, wire transfer intake, and cash advances, maintaining a balanced cash drawer at the close of every shift
• Welcome every client who enters the branch with genuine warmth, make them feel seen, and give your full attention to every interaction regardless of transaction size or how busy the branch floor is
• Answer client questions about account balances, transaction history, holds, and basic account features with confidence, escalating to the Branch Leaderhsip or Relationship Banker when the situation requires a more advanced conversation
• Resolve minor service concerns at the point of contact, exercising good judgment on when to handle and when to escape, and always following up to ensure the client left satisfied
• Maintain awareness of wait times and lobby flow, communicating proactively with clients who are waiting and keeping the client experience organized and professional at all times

Referrals and Business Growth Contribution

• Identify client needs during every transaction interaction and make confident, informed referrals to Personal Banker for account openings, consumer loans, CD inquiries, digital banking enrollment, and any need that goes beyond the immediate transaction
• Introduce Carver's products and services naturally in the course of every client conversation, highlighting benefits without pressure and creating curiosity that leads to a deeper banking relationship
• Meet individually assigned referral goals as a core part of the role, understanding that every referral made well is a client relationship deepened and a direct contribution to the branch's growth
• Promote Carver's digital banking tools by educating clients on mobile banking, online account access, and self-service features, offering to help clients get set up before they leave the branch
• Participate in branch sales huddles, contribute your client observations and…