Universal Banker

Beneficial State Bank•Portland, OR

7d•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 an exceptional client experience through relationship-based service, account opening and maintenance, transaction processing, digital banking support, and operational oversight. The Universal Banker supports consumer and business clients through in-branch, phone, and online channels, applying knowledge of deposit products, account services, eBanking solutions, and branch operations while complying with Bank policies, procedures, and regulatory requirements. The position identifies opportunities to connect clients with products and services that support their financial goals. Depending on branch needs, the employee may provide leadership support, transaction approvals, cash management oversight, training, and operational guidance to team members. This full-time, on-site position follows a Monday–Friday schedule and is based in a non-confined, typical office environment. Duties may include client service and relationship management, financial transaction processing, cash and branch operations, compliance and risk management, and supporting or supervising staff as needed. The role requires frequent interaction with clients and internal staff, detailed work, effective communication, problem solving, mathematical reasoning, and the ability to manage multiple tasks and changing priorities in a fast-paced environment. Beneficial State Bank describes itself as a B-Corp bank committed to social equity, environmental sustainability, transparency, and expanding access to equitable financial products. Its culture emphasizes inclusion, employee growth, partnership, service, and shared success.

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.
Ability to communicate effectively verbally and in writing, interact with customers, apply reasoning and mathematical skills, analyze information, and manage concurrent tasks and changing priorities.
Ability to perform the physical and cognitive functions described for the role, including lifting up to 10 pounds and operating standard office equipment; reasonable accommodations may be made for qualified individuals with disabilities.

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 exceptional client service.
Build 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 suitable products and services.
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 ordering.
Research teller differences, transaction corrections, and operational exceptions, resolving and documenting them promptly.
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 concerns; and complete required training.
Support branch opening and closing, record retention, scanning, documentation, and operational controls.
Provide guidance, coaching, and cross-training to team members and support new staff onboarding and development.
Assist with workflow coordination, operational oversight, and transaction approvals; assume responsibility for branch operations and staff supervision when the Branch Manager is absent.
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.

Benefits

Medical, dental, vision, basic life, short-term disability, and long-term disability coverage.
Vacation days: 2–4 weeks depending on role.
12 sick days per year.
11 holidays per year.
401(k), Roth, FSA, HSA, and EAP.
Education assistance.
Adoption assistance.
Bank-wide annual discretionary bonus program.
Production-based incentive program available for some roles.
Four days of paid volunteer time per year and an annual match of qualifying employee donations.
Paid sabbatical program after five years of service.
Pet benefits.