Universal Banker

Union Savings Bank; Cincinnati (OH); On-site; USD 42,000 - 54,000; Full time

Job summary

Union Savings Bank in Cincinnati, OH, seeks a Universal Banker to deliver comprehensive banking services and exceptional customer experiences. You will assist customers with deposits and withdrawals, open and maintain accounts, and handle cash throughout the day.

You will also support consumer loan inquiries, explain options, and guide customers through the approval process while ensuring compliance with policies and regulatory requirements.

Qualifications

• Ability to open accounts and process deposits with accuracy.
• Strong customer service focus to build relationships.
• Proficient in cash handling, balancing drawers, reconciling.
• Basic knowledge of consumer loans and applications.
• Clear, professional verbal and written communication.
• Retail banking experience preferred.
• Comfort with banking software and office tools.
• High school diploma and willingness to learn.
• Demonstrates reliability and integrity.

Responsibilities

• Assist customers with deposits and withdrawals.
• Open and maintain customer accounts.
• Handle cash transactions accurately throughout the day.
• Support consumer loan inquiries and applications.
• Explain loan options and guide customers through approvals.
• Respond to customer questions and resolve issues.
• Promote bank services and maintain regulatory compliance.

Skills

Customer service

Deposit management

Cash handling

Loans knowledge

Communication

Retail banking

Digital tools

Reliability

Willingness to learn

Education

High school diploma

Business/Finance education

Tools

Banking software

Office applications

Job description

Company Description

Union Savings Bank is a leading community-focused institution dedicated to making homeownership affordable and accessible. As the #1 mortgage lender in the communities it serves, the bank funded more than $6.2 billion in mortgage loans last year, reflecting a strong commitment to quality lending and servicing. Team members work directly with customers to provide low-cost loans, timely approvals, and competitive interest rates, ensuring a supportive and personalized home buying experience. Union Savings Bank values its employees as the key to its success and operates as an Equal Housing Lender and Member FDIC (NMLS# 446047).

Role Description

The Universal Banker is a full-time, on-site role based in Cincinnati, OH, responsible for delivering comprehensive banking services and exceptional customer experiences. This role includes assisting customers with deposits and withdrawals, opening and maintaining accounts, and accurately handling cash transactions throughout the day. The Universal Banker also supports customers with consumer loan inquiries and applications, providing clear information on products and guiding them through the approval process. Day-to-day responsibilities involve responding to customer questions, resolving issues, promoting bank services, and maintaining compliance with bank policies and regulatory requirements. The role requires consistent, professional communication with customers and colleagues to ensure a welcoming, efficient branch environment.

Qualifications

• Ability to manage deposit-related activities, including opening accounts and processing transactions, with accuracy and attention to detail.


• Strong customer service skills focused on building relationships, resolving concerns, and delivering a positive in-branch experience.


• Proficiency in cash handling, including balancing a cash drawer, following security procedures, and reconciling transactions.


• Basic knowledge of consumer loans and related banking products, with the ability to explain options and assist with applications.


• Clear and professional communication skills, both verbal and written, for interacting with customers and team members.


• Previous experience in retail banking, customer-facing financial services, or a related field preferred.


• Comfort with using banking software, digital tools, and standard office applications to complete daily tasks.


• High school diploma or equivalent required; additional education in business, finance, or a related area is beneficial.


• Demonstrated reliability, integrity, and willingness to learn bank policies, procedures, and compliance standards.