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.
Requirements:
Core Responsibilities
1. Front-Line Teller Operations (40%)
- 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, counter-presents, 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
2. Deposit Operations & Account Servicing (30%)
- Run daily work
- Scan CIF, deposit, and debit card forms
- Posting 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
3. Loan Operations & Processing (30%)
- 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 acknowledgement 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.
Schedule Requirements
Monday - Friday with Saturday morning rotation
Benefits
- Separate PTO and Sick Time Accruals
- Up to 11 Paid Holidays
- Company Clothing Credit
- 401k 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