Floating Universal Banker

Millennium Bank; Chattanooga (TN); On-site; USD 36,000 - 60,000; Full time

Benefits offered by this job

Company-Paid Life & AD&D Insurance

Company-Paid Short-Term & Long-Term DI

401(k) with Employer Matching

Employee Assistance Program (EAP)

Generous Paid Time Off

Up to 11 Paid Holidays

Job summary

Millennium Bank in Tennessee seeks a Universal Banker to support teller and platform functions, handling deposits, withdrawals, transfers, and account openings while maintaining accuracy, privacy, and regulatory compliance.

You will build relationships, identify product opportunities, and participate in training to stay knowledgeable about offerings. Strong teamwork and professional service are essential.

Qualifications

• High school diploma or GED required.
• At least 1 year of banking experience preferred.
• 2+ years cash handling and customer service experience preferred.
• Experience with account opening, teller operations, or retail banking preferred.
• Previous experience working directly with the public preferred.

Responsibilities

• Provide friendly, professional service and process routine banking transactions.
• Open and maintain consumer and business deposit accounts and cross-sell products.
• Balance cash and ATM operations, monitor for potential loss or fraud, and maintain records.
• Follow bank policies and regulatory requirements and support branch goals.

Skills

Customer service

Interpersonal skills

Attention to detail

Cash handling

Fraud awareness

Communication

Confidentiality

Banking policies

Teamwork

Professionalism

Education

High school diploma or GED

Job description

At Millennium Bank, we believe banking is about more than transactions—it’s about relationships. Founded on a personalized, community-focused approach to banking, we are proud to serve businesses, families, and communities across Tennessee, Florida, and Georgia. Our team takes the time to understand our customers and provide thoughtful financial solutions that help them succeed.

About the Position

We are seeking a Universal Banker to provide exceptional customer service while supporting both the teller line and platform functions of the branch. This position handles a variety of everyday banking transactions, assists customers with their account needs, opens new accounts, and identifies opportunities to connect customers with products and services that may benefit them.

The Universal Banker is an important part of the branch team and provides flexible coverage across branch functions while maintaining accuracy, professionalism, and compliance with Bank policies and regulations.

Key Responsibilities

Customer Service & Banking Transactions

• Provide friendly, professional, and efficient service to new and existing customers.
• Process a variety of routine banking transactions, including deposits, withdrawals, check cashing, transfers, loan payments, 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 customer questions regarding account balances, histories, interest rates, service charges, and other banking services while maintaining customer privacy and meeting disclosure requirements.
• Identify and appropriately escalte complex customer concerns, complaints, or special requests.

Account Opening & Relationship Development

• Open and maintain consumer and business deposit accounts, including checking, savings, and money market accounts.
• Develop a strong understanding of Millennium Bank's 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 to stay knowledgeable about Bank offerings.
• Build positive customer relationships that contribute to customer retention and overall branch growth.

Cash Handling & Branch Operations

• Accurately process and balance cash transactions while maintaining appropriate cash levels and reporting discrepancies to the appropriate supervisor.
• Buy, sell, and obtain currency from the vault as needed while following established cash limits and procedures.
• Balance and maintain the ATM as assigned.
• Process customer transactions accurately and efficiently while exercising sound judgment when evaluating potential loss, fraud, or other risk.
• Maintain accurate records and follow established operational, security, and internal control procedures.

Compliance & Team Support

• Follow all 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 to provide consistent branch coverage.
• Work collaboratively with branch management and other team members to support branch goals and provide a positive customer experience.
• Perform other duties as assigned.
• Company-Paid Life & AD&D Insurance
• Company-Paid Short-Term & Long-Term Disability
• 401(k) with Employer Matching
• Employee Assistance Program (EAP)
• Generous Paid Time Off
• Up to 11 Paid Holidays

Education & Experience

• High school diploma or GED required.
• At least 1 year of banking experience preferred.
• 2+ 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.

Skills & Qualifications

• Excellent customer service and interpersonal skills.
• Ability to provide professional, friendly, and responsive service.
• Strong attention to detail, organization, and time management.
• Ability to accurately handle cash and perform basic mathematical calculations.
• Ability to exercise sound judgment when processing customer 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.

What Success Looks Like

Success in this role means providing accurate and efficient transactions, building positive customer relationships, maintaining a balanced cash drawer, identifying appropriate opportunities to meet customer needs, and supporting the branch team with professionalism and flexibility.

Millennium Bank is an Equal Opportunity/Affirmative Action employer. All qualified applicants will receive consideration for employment without regard to race, color, religion, sex, national origin, disability, gender identity, sexual orientation or protected veteran status.

All candidates must satisfy a background screening including credit history, drug screen, and criminal records.