Universal Banker

West Coast Community Bank • Santa Cruz, CA

12d • Onsite

About The Position

The Universal Banker works onsite at the bank’s Santa Cruz location, assisting clients and prospective clients with a range of banking needs. The role opens and services consumer and business accounts, gathers and verifies required information, completes account setup and documentation, processes transactions, and answers questions about bank products and services. The banker identifies client needs and makes appropriate referrals to other bank services.

The position requires thorough knowledge of bank operations and processes, accurate cash handling, and adherence to bank policies, regulatory standards, and security procedures. As a first line of defense against risk exposure, the Universal Banker follows safety and security protocols, including cash controls, dual control, transaction processing, and approvals. The role also requires reliable attendance and travel between company locations as needed.

Requirements

• High school diploma or equivalent.
• Previous experience working with the public in a client service role.
• 3–5 years of experience working in bank branch operations.
• Strong organizational skills.
• Ability to multitask.
• Strong written and verbal communication skills.
• Strong cash-handling skills.
• Strong computer and technical skills.
• Knowledge of new-account origination.
• Knowledge of business entity documents.
• Excellent client service skills.
• Reliable, dependable, and regular attendance.
• Knowledge of Reg E, Reg CC, and BSA/AML.

Nice To Haves

• Prior new accounts experience.

Responsibilities

• Perform teller and new-account functions, including deposits, withdrawals, and account maintenance.
• Open and service consumer and business accounts in accordance with bank policies and procedures.
• Originate new accounts and ensure required documentation is completed accurately.
• Collect information, verify references, and complete account setup, including data entry.
• Review and understand business entity documentation.
• Identify client needs, provide excellent service, answer questions about bank products and services, and make appropriate referrals.
• Handle cash accurately and balance the drawer within established limits.
• Comply with applicable regulations, including Reg E, Reg CC, and BSA/AML.
• Maintain working knowledge of bank systems and technology.
• Follow established security, audit, and operational procedures, including cash controls and dual-control requirements.
• Maintain reliable and regular attendance.
• Perform additional duties consistent with the bank’s business needs and the scope and level of the role.
• Travel between company locations as needed.

Benefits

• Medical, dental, and vision plans.
• Vacation and sick leave.
• Paid holidays.
• Paid volunteer time.
• Employer-paid life insurance.
• 401(k) with employer matching.
• Ongoing training, professional development, and career advancement opportunities.

What This Job Offers

• Job Type: Full-time
• Career Level: Mid Level
• Education Level: High school or GED