Universal Banker

S&T Bank•Philadelphia, PA

7d•Onsite

About The Position

The Universal Banker delivers exceptional customer service across branch operations, combining teller-line duties with sales and platform responsibilities. The role supports individual and branch production goals by meeting assigned sales goals, responding to business needs, and recommending appropriate banking products and services. The banker uses computer systems, sales tools, product knowledge, and knowledge of bank policies and procedures to process transactions accurately, protect customers and the bank from fraud, and provide a customer-focused experience. The position also handles customer profiles, account opening and maintenance, loan applications, customer follow-ups, and branch sales activities. It requires professional collaboration with branch management and other bank departments, completion of required retail training, CARE certification within six months of hire, and compliance with applicable NMLS and S.A.F.E. Act registration requirements.

Requirements

High school diploma or equivalent.
Two to five years of general and specialized experience.
Successful completion of the retail training program, including CSR and RSA training programs.
CARE certification within six months of hire.
NMLS registration and verification of a unique identifier as required by the S.A.F.E. Act for applicable Mortgage Loan Originator duties; registration must be maintained annually.
Strong interpersonal skills and the ability to work independently and as a motivated team player.
Ability to meet the physical demands of the role, including keypad and computer use, standing, sitting, lifting, and close-vision computer work.

Responsibilities

Operate a customer service window accurately and efficiently, using computer systems and knowledge of bank policies and procedures.
Identify customers, verify transaction authenticity, protect against fraud, verify balances, place holds, and document identification as required.
Process deposits, withdrawals, check cashing, loan payments, money orders, and other customer transactions.
Balance window cash daily and assist with ATM settlement and vault balancing where applicable.
Profile customers to identify banking needs and recommend appropriate loan and deposit products.
Use sales tools and complete the bank’s sales process and customer-focused conversations; document notes for future customer interactions.
Close business, make follow-up calls, and build professional customer relationships to support satisfaction and loyalty.
Contribute to branch sales, service, and production goals and participate in sales call campaigns as needed.
Make outbound calls according to the branch playbook, including follow-ups with new account customers and calls to grow existing customer relationships.
Perform data entry and prepare documentation to open new accounts and change existing accounts.
Maintain customer accounts, answer questions, resolve account problems, and handle check orders.
Prepare loan applications using LOS software and coordinate loan document preparation.
Maintain good working relationships with employees in other departments and contribute as an independent worker and team player.
Complete CARE certification within six months of hire.
Complete NMLS requirements and maintain required S.A.F.E. Act registration when performing applicable Mortgage Loan Originator duties.
Assume additional duties as required, including balancing ATMs and processing deposits.