Universal Banker

Beneficial State Bank•Portland, OR

6d•Onsite

About The Position

The Universal Banker acts as a trusted resource for clients and a key operational partner within the branch. The role delivers relationship-based service to consumer and business clients through account opening and maintenance, transaction processing, digital banking support, and operational oversight. Support is provided through in-branch, phone, and online banking channels. The Universal Banker demonstrates knowledge of deposit products, account services, eBanking solutions, and branch operations while complying with Bank policies, procedures, and regulatory requirements. The position requires strong client relationship skills, sound judgment, and operational accuracy, as well as the ability to connect clients with products and services that support their financial goals. Depending on branch needs, the incumbent may provide leadership support, transaction approvals, cash management oversight, training, and operational guidance to team members.

Requirements

3–5 years of experience in a banking, financial services, or client service environment.
Effective organizational and time management skills.
Proficient cash handling and balancing skills.
Comprehensive knowledge of banking products and services.
Working knowledge of banking systems and software applications.
Proficiency in Microsoft Office applications.
Understanding of Regulation E, Regulation CC, BSA/AML, and related banking regulations.
Strong attention to detail and accuracy.
Ability to exercise sound judgment and maintain confidentiality.

Nice To Haves

Experience opening and servicing consumer and business deposit accounts.
Experience supporting digital banking products and services.
Previous cash handling and branch operations experience.

Responsibilities

Serve as a primary point of contact for consumer and business banking needs and deliver an exceptional client experience.
Build and maintain client relationships through proactive service, product knowledge, needs assessments, and consultative conversations.
Open and maintain consumer and business deposit accounts in accordance with Bank policies and procedures.
Perform account maintenance, stop payments, check orders, debit card support, account servicing, and digital banking support.
Provide telephone, online banking, and eBanking support to clients and internal staff.
Process client requests, maintain accurate client and account records, respond to service requests, and promote products and services that support client goals and branch growth.
Process deposits, withdrawals, check cashing, cashier's checks, cash advances, night deposits, ATM deposits, courier bags, and other client transactions.
Verify endorsements, balances, funds availability, and client identification for transaction accuracy and compliance.
Maintain teller, vault, and ATM cash; complete daily balancing; monitor branch cash levels; and support cash order activities.
Research teller differences, transaction corrections, and operational exceptions, and ensure timely resolution and proper documentation.
Provide transaction approvals within established signing authority and support accurate, timely branch operations.
Follow Bank policies, procedures, and applicable federal and state regulations; maintain documentation and controls; identify and escalate operational or compliance concerns; and complete required training.
Support branch opening and closing procedures, record retention, scanning, documentation, and operational controls.
Provide guidance, coaching, and cross-training to team members and support onboarding and staff development.
Assist with workflow coordination, operational oversight, and transaction approvals, and provide leadership as needed.
Assume responsibility for branch operations and staff supervision in the Branch Manager's absence.
Participate in branch and Bank-wide campaigns, goals, initiatives, and special projects, and support branch performance objectives.
Complete mandatory compliance training by established deadlines and perform other assigned functions.