Universal Banker

Millennium Bank • Chattanooga, TN

27d

About The Position

Millennium Bank is seeking a Universal Banker to provide exceptional customer service while supporting teller-line and platform functions at a branch. The role handles everyday banking transactions, assists customers with account needs, opens new accounts, and identifies opportunities to connect customers with relevant products and services. The Universal Banker provides flexible coverage across branch functions while maintaining accuracy, professionalism, and compliance with Bank policies and regulations.

Success in the role means processing transactions accurately and efficiently, building positive customer relationships, maintaining a balanced cash drawer, identifying appropriate ways to meet customer needs, and supporting the branch team with professionalism and flexibility. Candidates must satisfy a background screening that includes credit history, a drug screen, and criminal records.

Requirements

• High school diploma or GED.
• Excellent customer service and interpersonal skills.
• Ability to provide professional, friendly, and responsive service.
• Strong attention to detail, organization, and time management.
• Ability to handle cash accurately and perform basic mathematical calculations.
• Ability to exercise sound judgment when processing transactions and identifying potential fraud or loss.
• Strong verbal and written communication skills.
• Ability to maintain confidentiality and protect sensitive customer information.
• Ability to learn and apply banking policies, procedures, products, and regulations.
• Ability to work effectively as part of a team and adapt to changing branch needs.
• Strong work ethic, reliability, professionalism, and commitment to customer service.
• Satisfaction of a background screening, including credit history, drug screen, and criminal records.

Nice To Haves

• At least 1 year of banking experience.
• 2 or more years of cash handling and customer service experience.
• Previous experience working directly with the public.
• Experience with account opening, teller operations, or retail banking.

Responsibilities

• Provide friendly, professional, and efficient service to new and existing customers.
• Process routine banking transactions, including deposits, withdrawals, check cashing, transfers, loan payments and payoffs, cashier's checks, cash advances, and other account transactions.
• Process ATM, night deposit, mail deposit, term deposit, and retirement savings transactions as applicable.
• Assist customers with debit card orders and maintenance.
• Answer routine customer questions about account balances, histories, interest rates, service charges, and banking services while protecting customer privacy and meeting disclosure requirements.
• Identify and appropriately escalate complex customer concerns, complaints, or special requests.
• Open and maintain consumer and business deposit accounts, including checking, savings, and money market accounts.
• Learn the Bank's products and services, identify customer needs, recognize cross-selling and referral opportunities, and connect customers with the appropriate banking professional.
• Participate in sales, service, and product training.
• Build positive customer relationships that contribute to customer retention and branch growth.
• Accurately process and balance cash transactions, maintain appropriate cash levels, and report discrepancies to the appropriate supervisor.
• Buy, sell, and obtain currency from the vault as needed while following cash limits and procedures.
• Balance and maintain the ATM as assigned.
• Exercise sound judgment when evaluating transactions for potential loss, fraud, or other risk.
• Maintain accurate records and follow operational, security, and internal control procedures.
• Follow Bank policies, procedures, security requirements, and applicable federal and state regulations.
• Maintain working knowledge of applicable banking regulations, including BSA, CRA, Regulation E, Regulation CC, and consumer privacy requirements.
• Obtain required approvals and authorizations.
• Participate in cross-training and support other branch functions as needed.
• Collaborate with branch management and team members to support branch goals and provide a positive customer experience.
• Perform other duties as assigned.

Benefits

• Health, dental, and vision insurance.
• Company-paid life and AD&D insurance.
• Company-paid short-term and long-term disability.
• 401(k) with employer matching.
• Employee Assistance Program (EAP).
• Generous paid time off.
• Up to 11 paid holidays.

What This Job Offers

• Job Type: Full-time
• Career Level: Entry Level
• Education Level: High school or GED