VP Universal Banker

Legacy Bank•Farmington, AR

About The Position

The Universal Banker is a hybrid role combining day-to-day leadership of a banking center with junior-lender responsibilities. The position is accountable for outstanding customer service, deposit growth, strong branch operations and controls, staff coaching, and originating and servicing consumer and small business loans within established authority limits. It operates with a high level of independence and partners closely with Retail Operations and the Lending team to support consistent execution of the bank’s culture, policies, and risk standards. The position reports to Retail leadership, with a dotted-line reporting relationship to Lending leadership. The role provides day-to-day oversight of banking center operations, including teller and new account services, workflow coverage, scheduling, customer issue resolution, operational controls, and security procedures. It also originates and services consumer and small business loans, develops underwriting fundamentals, supports portfolio management, and pursues loan opportunities through calling, referrals, community involvement, and other business development activities. The position provides direct day-to-day leadership for banking center staff, including coaching, training, scheduling, and performance feedback and evaluations, consistent with bank practices.

Requirements

High school diploma or GED equivalent.
At least 7 years of progressive banking experience in retail banking or lending.
Prior management experience.
Knowledge of consumer and small business loan fundamentals.

Nice To Haves

Bachelor’s degree in finance, accounting, business, or a related area.
Prior consumer lending experience and exposure to small business lending or underwriting.
Prior branch management or assistant branch manager experience.

Responsibilities

Embrace the Legacy Culture by providing outstanding service to internal and external customers.
Oversee day-to-day banking center operations, including teller and new account services, workflow coverage, scheduling, and customer issue resolution.
Maintain strong operational controls and adhere to security procedures.
Maintain knowledge of daily operational processes, including ATM/dispenser, vault, and teller balancing; step in to work or balance a teller drawer when necessary.
Work with internal auditing staff to facilitate internal audits.
Partner with Facilities/Operations to maintain banking center premises, appearance, and readiness for customers and staff.
Work with consumer and small business loan applicants to originate profitable, policy-conforming loans within the bank’s desired market and loan types.
Develop proficiency in underwriting fundamentals and collateral types, collaborating with senior lenders on complex requests.
Service assigned loan relationships and support portfolio management expectations, including past-due management and exception tracking consistent with bank goals.
Seek consumer and small business loan opportunities through calling efforts, referrals, community involvement, and other business development activities.
Follow bank policies and procedures, including BSA/AML, OFAC, CIP, privacy, fair lending/UDAAP, information security, and internal controls; escalate concerns appropriately.
Provide day-to-day leadership for banking center staff, including coaching, training, scheduling, and performance feedback and evaluations.
Perform other duties as assigned.