Universal Banker

Presidential Bank, Fsb; Frederick (MD); On-site; USD 40,000 - 60,000; Full time

Benefits offered by this job

Paid leave

Retirement plans

Medical insurance

Dental insurance

Vision insurance

Disability insurance

Life insurance

Job summary

Presidential Bank is seeking a Universal Banker to provide efficient transaction processing, excellent customer service, and branch sales support in Frederick, MD. You will handle cash transactions, verify identifications, and refer bank products to meet client needs, while contributing to team goals.

The role combines teller operations with customer service, requiring accuracy, attention to detail, and flexibility to work extended hours as needed.

Qualifications

• Strong customer service orientation.
• Sales-oriented with focus on customer needs.
• Excellent verbal and written communication; bilingual in Spanish a plus.
• Experience handling cash or financial transactions preferred.
• Proficiency in Microsoft Office (Word, Excel) required.
• Knowledge of core banking systems a plus.
• Flexibility to adjust work schedule.

Responsibilities

• Operates core banking systems and processes transactions accurately.
• Balances cash daily and follows cash handling procedures.
• Verifies customer identification and documents; handles approvals for certain transactions.
• Follows bank policies and security protocols.
• Prepares BSA documentation and adheres to KYC/OFAC standards.
• Contributes to branch performance and client satisfaction.
• Maintains relationships with internal and external customers.
• Keeps up to date on bank products and communicates their benefits.
• Assists in opening/closing the branch and coverage at other locations.
• Collaborates with team to maintain efficient branch environment.

Skills

Customer service

Sales orientation

Communication skills

Bilingual in Spanish

Tools

Microsoft Word

Microsoft Excel

Core banking systems

Job description

Description

The Universal Banker is responsible for providing efficient and accurate transaction processing, delivering exceptional customer service, and supporting branch sales goals. This role combines the responsibilities of teller operations and customer service, including addressing routine inquiries, identifying customer needs, and making product and service referrals. The ideal candidate thrives in a team environment, actively contributes to branch goals, and demonstrates a strong commitment to client satisfaction.

• Operates core banking systems with accuracy and efficiency while processing transactions using a associate cash drawer.
• Balances assigned cash daily and strictly follows all cash handling and security procedures, maintaining sole control of assigned drawer and limits.
• Complies with policies related to cash differences and controllable losses.
• Verifies customer identification and documentation, confirms endorsements and payees, and obtains required supervisory approval for transactions above established cash limits or with special conditions such as stop payments or fund holds.
• Follows all departmental and Bank-wide policies, procedures, and security protocols.
• Prepares required Bank Secrecy Act (BSA) documentation including Currency Transaction Reports and Monetary Instrument Logs, and adheres to KYC, OFAC, and information security standards.
• Contributes to achieving individual and branch performance goals by actively monitoring personal progress and following designated action plans.
• Ensures consistent delivery of excellent customer service in alignment with the Bank’s sales and service expectations.
• Promotes and maintains positive relationships with all internal and external customers.
• Stays up to date on Bank products and services and effectively communicates their benefits to clients.
• Assists in opening and closing the branch as needed based on business needs, which may include working outside of regularly scheduled hours.
• Collaborates with team members to maintain a supportive, efficient branch environment and actively contributes to group success by sharing knowledge, assisting with daily tasks, and providing coverage at other branch locations when needed.

Requirements

• Strong customer service orientation.
• Prior experience in customer service is strongly preferred.
• Sales-oriented professional demeanor with a strong focus on customer needs.
• Excellent verbal and written communication skills; bilingual in Spanish or another language is a plus.
• Experience handling cash or financial transactions is preferred.
• Proficiency in Microsoft Office (Word, Excel) required.
• Working knowledge of core banking systems is a plus.
• Strong attention to detail with a commitment to professionalism and confidentiality.
• Flexibility to adjust work schedule based on branch need.

This level of knowledge is normally acquired through 4-6 years of banking experience. One or more years of managerial experience a plus but not required.

*Presidential Bank offers a competitive benefits package that includes paid leave, retirement plans, medical, dental, vision, short- and long-term disability and life insurance.