Universal Banker

Central Bank; Des Peres (MO); On-site; USD 36,000 - 48,000; Full time

Job summary

Central Bank is seeking a Universal Banker to deliver outstanding customer experiences by handling teller transactions and providing personal banking services. You will be the first point of contact for customers, processing deposits and withdrawals while identifying financial needs and offering suitable solutions.

In this role you will contribute to branch growth by participating in referral programs, maintaining accurate cash drawers, and staying compliant with BSA, privacy, and security

Qualifications

• Provide accurate teller transactions with attention to detail.
• Identify customer financial needs and present suitable solutions.
• Open consumer accounts and maintain onboarding experience.
• Adhere to bank policies, BSA and security procedures.
• Maintain cash drawer and balance at shift end.

Responsibilities

• Process deposits, withdrawals, loan payments and negotiable instruments.
• Open and maintain consumer accounts with accuracy.
• Engage customers to identify needs and propose products.
• Participate in referral programs to drive branch sales.
• Balance cash drawer and maintain security protocols.
• Provide service in person and by phone.
• Keep up-to-date on bank products, regulations.
• Prevent fraud and follow security procedures.
• Comply with BSA and information security requirements.

Skills

Customer service

Cash handling

Relationship building

Sales/referrals

Regulatory compliance

Education

High school diploma or equivalent

Job description

The Universal Banker is responsible for delivering exceptional customer experience by supporting both teller transactions and personal banking services. This role serves as a primary point of contact for customers, handling day-to-day transactions while also identifying financial needs and recommending appropriate products and services. This position plays a key role in relationship building and is accountable for achieving referral goals that support branch growth and customer satisfaction. The Universal Banker conducts relationships and activities consistent with established Bank policies, procedures and systems, the corporate code of conduct, Bank Secrecy Act and all applicable State and Federal laws and regulations.

Essential Duties And Accountabilities

• Process customer transactions accurately and efficiently, including deposits, withdrawals, loan payments, and negotiable instruments while minimizing operational error.
• Open and maintain consumer accounts, ensuring accuracy, compliance, and a positive onboarding experience.
• Engage customers in meaningful conversations to identify financial needs and recommend appropriate products and services.
• Actively participate in referral programs, meeting established goals and contributing to overall branch sales performance.
• Maintain and balance cash drawer, adhering to established limits and procedures.
• Provide exceptional customer service in person and by phone, resolving issues with professionalism and care.
• Maintain a working knowledge of all bank products, services, and applicable regulations to effectively support customers.
• Prevent fraud by following established procedures, identifying suspicious activity, and adhering to all security protocols.
• Comply with all applicable banking regulations, including Bank Secrecy Act requirements and information security standards.