2512-2 Universal Banker/CSR (Chattanooga)

Tnbankers; Chattanooga (TN); On-site; USD 36,000 - 48,000; Full time

Job summary

A community bank in Chattanooga seeks a Universal Banker/CSR to deliver excellent customer service and handle various banking transactions. Responsibilities include greeting customers, resolving inquiries, processing transactions accurately, and promoting bank products. Candidates should possess strong customer service skills and prior banking experience is preferred. This position offers an opportunity to grow within a supportive environment while contributing to overall branch success.

Qualifications

• High school diploma or GED required, bachelor’s degree preferred.
• Prior banking or financial customer service experience preferred.
• Cash-handling and/or teller experience strongly preferred.
• Experience with account opening and digital banking is a plus.
• Excellent customer service skills and communication abilities.
• Ability to learn and explain bank products and digital tools.
• Strong accuracy and attention to detail.
• Ability to multitask and work in a fast-paced environment.
• Basic proficiency in Microsoft Office.

Responsibilities

• Greet customers, identify needs, and provide personalized service.
• Resolve customer inquiries and service issues promptly.
• Promote bank products and services and refer opportunities.
• Assist customers with digital banking enrollment and troubleshooting.
• Process deposits, withdrawals, payments, and other transactions accurately.
• Balance cash drawer daily and follow dual-control procedures.
• Verify negotiable instruments and identify potential fraud.
• Follow all security and compliance policies.
• Open consumer accounts and ensure complete documentation.
• Perform account maintenance including address changes.
• Educate customers on account features and requirements.
• Maintain knowledge of bank policies and procedures.

Skills

Customer service

Cash handling

Communication skills

Attention to detail

Multitasking

Product knowledge

Digital tools explanation

Education

High school diploma or GED

Bachelor's degree

Tools

Microsoft Office

Job description

Universal Banker/CSR (Chattanooga) – Tower Community Bank

The Universal Banker/CSR serves as the first point of contact for customers, providing high‑quality service while performing a full range of banking transactions. This role combines traditional teller responsibilities with new‑account opening, digital banking support, and basic lending assistance. The position ensures customers receive prompt, professional service and supports overall branch sales, service, and operational goals.

• Greet customers, identify needs, and provide personalized service.
• Resolve customer inquiries and service issues promptly.
• Promote bank products and services and refer opportunities as appropriate.
• Assist customers with digital banking enrollment and troubleshooting.
• Process deposits, withdrawals, payments, and other transactions accurately.
• Balance cash drawer daily and follow dual‑control procedures.
• Verify negotiable instruments and identify potential fraud.
• Follow all security, BSA/AML, OFAC, and fraud‑prevention policies.
• Open consumer accounts and ensure complete, compliant documentation.
• Perform account maintenance including address changes, stop payments, and debit card replacements.
• Perform CIP verification and adhere to all regulatory requirements.
• Educate customers on account features, requirements, and fees.
• Assist customers with consumer loan inquiries and applications.
• Maintain knowledge of bank policies, procedures, products, and systems.
• Perform ITM settlement tasks as assigned.
• Participate in audits, compliance reviews, and branch meetings.
• Maintain confidentiality and follow GLBA/privacy requirements.

This job description is intended to describe the primary duties and qualifications of the role and is not an exhaustive list. Responsibilities may be modified as business needs evolve.

Qualifications

• High school diploma or GED required, bachelor’s degree preferred.
• Prior banking or financial customer service experience preferred.
• Cash-handling and/or teller experience strongly preferred.
• Experience with account opening and digital banking systems is a plus.
• Excellent customer service skills and communication abilities.
• Ability to learn and explain bank products and digital tools.
• Strong accuracy and attention to detail.
• Ability to multitask and work in a fast‑paced environment.
• Basic proficiency in Microsoft Office.

Please reply to [e-mail]