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About the Role

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.

Responsibilities

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.
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.
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.
Monitor and maintain information within the core system for insurance, financial statements, taxes, titles, etc.
Perform post-closing follow up duties and maintain accurate and up-to-date loan files.
Process and present all necessary filing, recording and acknowledgement instruments to public officials to perfect the bank’s lien priority position.
Scan 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.

Requirements

Front-Line Teller Operations (40%)
Deposit Operations & Account Servicing (30%)
Loan Operations & Processing (30%)

Work Type

Hybrid

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