Universal Banker

Scale Bank•Edina, MN

10d

About The Position

The Universal Banker serves as a primary point of contact for clients, delivering customer service, processing financial transactions, and supporting account opening, onboarding, and ongoing account maintenance. The role combines traditional teller functions with client service responsibilities to provide a seamless banking experience. The position is accountable for transaction processing and operational support (50%), client services and account maintenance (25%), and client onboarding and cash management support (25%). It processes client transactions, supports cash and vault operations, maintains operational records, assists clients with accounts and banking services, coordinates onboarding, and helps implement and maintain cash management services. The role works with lending, operations, and other departments and follows applicable conduct, anti-money laundering, Bank Secrecy Act, information security, and suspicious activity reporting requirements. This role has no supervisory or work-direction responsibility. Duties and responsibilities may change, and the description is not a comprehensive listing of all activities.

Requirements

Bachelor’s degree or equivalent work experience.
1–3 years of experience in customer service with cash handling responsibility and/or clerical duties.
Proficiency with Microsoft Office and the ability to learn banking systems.
Ability to exercise judgment, raise questions to management, and adhere to policy guidelines.
Strong attention to detail and commitment to accuracy.
Strong analytical and communication skills, including the ability to review, understand, and apply detailed documentation and convey information effectively to clients.
Ability to manage multiple priorities and meet deadlines.

Nice To Haves

Banking experience is preferred.

Responsibilities

Process deposits, withdrawals, transfers, loan payments, and other client transactions accurately and efficiently.
Verify cash, checks, endorsements, and balancing activities; balance the cash drawer and daily proof transactions.
Process cashier's checks, foreign currency orders, and other monetary instruments.
Assist with currency and coin orders for business clients.
Support vault operations, including balancing, ordering, and distribution of cash and coin.
Assist with safe deposit box administration and maintenance.
Maintain accurate records and operational documentation, and support reporting and other back-office operations as needed.
Follow the Scale Bank code of conduct and applicable anti-money laundering, Bank Secrecy Act, information security, and suspicious activity reporting requirements, policies, and procedures.
Provide service that builds trust and strengthens client relationships; greet and assist clients and direct them to appropriate resources when needed.
Assist clients with IRAs, certificates of deposit, checking and savings accounts.
Process account maintenance requests, including ownership changes, signer updates, authorized users, and service modifications.
Assist clients with online banking, bill pay, gift card purchases, debit card services, and account-related inquiries.
Coordinate new account and service onboarding and prepare and process onboarding documentation.
Assist with implementation and maintenance of cash management services, including user access, permissions, and service setup.
Provide client education, training, and support for banking products and digital solutions.
Collaborate with lending, operations, and other departments to support a smooth client experience.