Senior Universal Banker

Kids for the Future; Waterford (PA); On-site; USD 52,000 - 70,000; Full time

Job summary

Marquette Savings Bank in Waterford, PA is seeking a Senior Universal Banker to deliver exceptional customer service, manage relationships, and support deposit and lending needs. The role involves originating mortgage loans, assisting customers through the lending process, and handling teller transactions as needed.

Qualified candidates will have at least a high school diploma, with 2+ years in banking or financial services and knowledge of deposit accounts, lending regulations, and compliance.

Qualifications

• High school diploma or equivalent required.
• Associates or Bachelor's degree preferred.
• Minimum of two years of banking, teller, customer service, sales, or financial services experience required.
• Experience opening and servicing consumer deposit accounts required.
• Strong knowledge of banking regulations and lending processes is expected.

Responsibilities

• Develop and maintain strong customer relationships and identify opportunities to meet financial needs.
• Consult with customers on Bank products and services and refer to specialists when appropriate.
• Open and maintain consumer deposit accounts and process related requests.
• Support residential mortgage loan functions and guide customers through the lending process.
• Perform teller transactions and support branch operations.

Skills

Customer relationships

Sales & referrals

Banking knowledge

Regulatory compliance

Communication skills

Education

HS diploma or equivalent

Associates or Bachelor's degree preferred

Tools

Computer/ATM systems

Job description

• Location 210 High Street,Waterford, PA, 16441,United States
• Employee Type FT Non-Exempt

SUMMARY OF POSITION

The Senior Universal Banker is responsible for delivering an exceptional customer experience by serving as a trusted financial resource for current and prospective customers. This role combines relationship management, retail lending, account opening, customer service, and transactional banking responsibilities to support branch growth and deepen customer relationships with the goal of positioning MSB as their primary financial institution.

The Senior Universal Banker proactively identifies customer financial needs and recommends appropriate deposit, digital banking, and lending solutions. This position is responsible for originating, processing, and supporting residential mortgage loan applications while ensuring compliance with all applicable lending regulations and Bank policies. The Senior Universal Banker partners with branch and lending staff to achieve production goals, expand customer relationships, and contribute to overall branch performance.

In addition, this role performs teller transactions as needed, supports branch sales initiatives, and serves as a knowledgeable resource regarding Bank products, services, lending requirements, and regulatory compliance.

PRIMARY RESPONSIBILITIES

Essential Functions

• Customer Relationship Management & Sales
  • Develop and maintain strong customer relationships by providing outstanding service and identifying opportunities to meet customer financial needs.
  • Consult with new and existing customers regarding available Bank products and services and recommend appropriate solutions to deepen relationships and increase customer engagement.
  • Generate new business through referrals, customer outreach, community involvement, and relationship-building activities.
  • Refer customers to other Bank specialists as appropriate.
• Open and maintain consumer and business deposit accounts, including checking, savings, certificates of deposit, debit cards, digital banking services, and other products offered by the Bank.
• Process account maintenance requests and ensure all required documentation is completed accurately and in accordance with established procedures.
• Respond to customer inquiries and resolve issues in a timely and professional manner.
• Lending Responsibilities
  • Serve as a lending resource within the branch by identifying lending opportunities and discussing available loan products with customers.
  • Support residential mortgage loan functions in accordance with Bank policies and regulatory requirements.
  • Collect and review required financial information and documentation to ensure complete and accurate loan files.
  • Assist customers throughout the lending process, providing education, guidance, and status updates from application through closing.
  • Maintain current knowledge of mortgage lending regulations, products, underwriting guidelines, and compliance requirements.
  • Work closely with branch management and lending personnel to achieve individual and branch loan production goals.
  • Support portfolio growth while maintaining high standards for loan quality, documentation accuracy, and regulatory compliance.
  • Participate in business development activities designed to increase lending opportunities and expand market share.
• Operational & Teller Functions
  • Perform teller transactions including deposits, withdrawals, loan payments, check cashing, and related customer service transactions.
  • Balance transactions and maintain operational accuracy in accordance with Bank policies and procedures.
  • Assist with branch operations and workflow management as needed.
  • Perform other duties as assigned by management.

Supervisory Responsibilities

Requirements

KNOWLEDGE, SKILL, AND ABILITY REQUIREMENTS

Education and/or Experience

High school diploma or equivalent required; associate's degree or bachelor's degree preferred.

Minimum of two years of banking, teller, customer service, sales, or financial services experience required.

Experience opening and servicing consumer deposit accounts required.

Demonstrated ability to identify customer needs and recommend appropriate financial products and services.

Working knowledge of banking regulations, lending compliance requirements, and account-opening procedures.

Ability to obtain and maintain any licensing or registration required for loan origination activities.

The employee must demonstrate thorough knowledge of the Bank's products and services, including deposit and lending solutions. The ability to proactively identify customer needs, recommend appropriate financial solutions, and successfully guide customers through the lending process is essential. Strong consultative sales skills and the ability to meet relationship growth, referral, and lending production goals are required.

Interpersonal/Communications Skills

The employee must possess strong communications and interpersonal skills and be able to engage in all types of customer interactions.

Language Skills

Ability to read and interpret documents such as safety rules, instructions, and procedure manuals. Ability to speak effectively with employees and customers of the organization.

Equipment/Tools Skills

The employee must have the ability to use standard office equipment.

Mathematical Skills

Ability to add, subtract, multiply, and divide using whole numbers, common fractions, and decimals.

Reasoning Ability

Ability to solve practical problems and deal with a variety of concrete variables in situations where limited standardization exists. Ability to interpret a variety of instructions furnished in written, oral, diagram, or schedule form. Ability to handle both positive and negative correspondence regarding accounts.

PHYSICAL DEMANDS

While performing the duties of this job, the employee is frequently required sit and/or stand; and to use hands to work with computer equipment. The employee is occasionally required to stand; walk; and talk or hear.

The employee must occasionally lift and/or move up to 10 pounds. Specific vision abilities required by this job include close vision and the ability to adjust focus.

WORK ENVIRONMENT

Employee in this position will be required to work in indoor environment and come in direct contact with staff and customers. The noise level in the work environment is consistently quiet.

This class specification should not be interpreted as all-inclusive. It is intended to identify the essential functions and requirements of this job. Individuals may be requested to perform job-related responsibilities and tasks other than those stated in this specification. Any essential function or requirement of this class will be evaluated as necessary should an individual be unable to perform the function or requirement due to a disability as defined by the Americans with Disabilities Act (ADA). Reasonable accommodation for the specific disability will be made for the individual when possible.

Marquette Savings Bank is a 119-year-old financial institution headquartered in Erie, PA with branch offices throughout Erie and Crawford Counties. Marquette is an Equal Opportunity Employer, and we actively recruit, and seek to hire, retain, and promote a diverse workforce; we are an equal opportunity employer of protected veterans and individuals with disabilities.