Universal Banker

Union Bank•Russellville, AR

6h•Onsite

About The Position

The Universal Banker is responsible for delivering exceptional customer service while performing a broad range of banking functions, including complex transactions, new account openings, and account maintenance for both personal and business clients. This role also supports branch operations, mentors junior staff, and ensures compliance with bank policies and regulatory requirements.

Requirements

In-depth knowledge of banking products, services, and complex transaction procedures.
Thorough understanding of cash handling, reconciliation, and daily settlement processes.
Comprehensive knowledge of bank security policies, regulatory compliance, and fraud detection.
Strong knowledge of customer service excellence and advanced sales techniques, including cross-selling.
Proficiency with banking software and data management systems.
Expert skills in cash handling and transaction processing with a high degree of accuracy.
Excellent verbal communication and interpersonal skills to handle complex customer interactions.
Ability to mentor and support junior tellers.
Strong problem-solving skills for resolving complex customer issues and transaction discrepancies.
Effective time management and organizational skills to work independently in a fast-paced environment.
Ability to maintain strict confidentiality and safeguard sensitive customer information.
Ability to independently follow detailed policies and procedures.
Ability to detect, investigate, and escalate suspicious or fraudulent activities.
Ability to adapt quickly to evolving banking products, technology, and regulatory requirements.
Ability to work accurately and efficiently under pressure.
A high school diploma or equivalent is required.
One year of previous branch banking experience is required.
Basic computer skills and the ability to learn banking software applications are required.

Responsibilities

Deliver exceptional customer service by independently processing a wide range of financial transactions, including deposits, withdrawals, transfers, loan payments, check cashing, and monetary instruments, in accordance with bank policy and regulatory guidelines.
Confidently open and maintain all types of personal, business, trust, HSA, IRA, and DBA accounts, ensuring proper documentation is collected, customer needs are assessed, and regulatory procedures are followed.
Recommend and open consumer and business CDs; quote rates, apply appropriate transaction codes, and stay current on IRA and HSA contribution limits and regulations.
Manage safe deposit box access and maintenance, including opening boxes, updating signers, and completing associated documentation in OnBoard.
Handle complex customer inquiries and account maintenance, including address changes, signer updates, online banking setup, stop payments, debit card disputes, check orders, account alerts, internal transfers, and secure profile updates.
Accurately reconcile daily cash settlements, teller drawers, and ATM activity; assist with branch cash ordering, perform fee refunds with approval, and follow procedures for counterfeit currency handling and reporting.
Investigate and escalate suspicious, irregular, or fraudulent activity, including account holds, alerts, and charge-offs; place appropriate holds and alerts with attention to detail and regulatory accuracy.
Serve as a knowledgeable resource and informal leader to Teller I and Teller II staff by providing transaction overrides, sharing expertise, and supporting day-to-day branch operations in a calm and professional manner.
Demonstrate advanced proficiency in banking systems for transaction processing, exception handling, customer research, and account updates.
Maintain and monitor debit card and transaction logs, complete debit card audits, manage exceptions, and ensure accurate and timely follow-up with new account holders regarding online banking access, debit card activation, and check orders.
Actively participate in ongoing training and compliance programs to stay informed about bank products, security procedures, regulatory changes, and system updates.
Support operational efficiency by assisting with process improvements, ensuring adherence to internal policies, and stepping in to address branch-level issues as needed.
Exhibit exemplary attendance and punctuality.
Comply with company policies and procedures.
Perform other duties as assigned.