Floating Universal Banker

Millennium Bank•Chattanooga, TN

12d

About The Position

Millennium Bank is seeking a Universal Banker to provide customer service and support teller-line and platform functions. The role handles everyday banking transactions, helps customers with account needs, opens new accounts, and connects customers with relevant products and services. The Universal Banker provides flexible branch coverage while maintaining accuracy, professionalism, and compliance with Bank policies and regulations. The position serves new and existing customers, processes routine transactions and deposits, answers account and service questions, and escalates complex concerns. It opens and maintains consumer and business deposit accounts, builds product knowledge, identifies referral opportunities, and supports customer retention and branch growth. The role also includes cash handling, balancing transactions, managing cash levels, obtaining currency from the vault, balancing the ATM when assigned, maintaining accurate records, and following operational and security controls. The Universal Banker follows Bank policies and applicable regulations, obtains required approvals, participates in cross-training, and collaborates with the branch team to provide consistent coverage and a positive customer experience. Other duties may be assigned.

Requirements

High school diploma or GED required.
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.
Candidates must satisfy a background screening, including credit history, drug screen, and criminal records.

Nice To Haves

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

Responsibilities

Provide friendly, professional, and efficient service to new and existing customers.
Process routine 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 questions about account balances, histories, interest rates, service charges, and banking services while protecting customer privacy and meeting disclosure requirements.
Identify and escalate complex customer concerns, complaints, or special requests appropriately.
Open and maintain consumer and business checking, savings, and money market accounts.
Develop knowledge of Bank products and services to identify customer needs and provide appropriate solutions.
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 support 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, following cash limits and procedures.
Balance and maintain the ATM as assigned.
Exercise sound judgment when evaluating potential loss, fraud, and other risks during customer transactions.
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 appropriate approvals and authorizations when required.
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.