Universal Banker

First-Horizon-Bank; Memphis (TN); On-site; USD 32,000 - 42,000; Full time

Job summary

First Horizon Bank is seeking a customer-focused teller to provide daily processing of financial transactions and open accounts in a retail banking setting. You will introduce bank products, conduct outbound calls, and collaborate with management to meet banking center goals.

The role emphasizes delivering excellent client experiences, solving account inquiries, and staying informed about product knowledge through training and meetings.

Qualifications

• High school diploma or GED and 1 year teller experience preferred.
• Background check required per S.A.F.E Mortgage Licensing Act and related regulations.

Responsibilities

• Provide teller and platform support to minimize client wait times and ensure quality service.
• Identify client needs through consultative conversations and recommend appropriate products.
• Open and process new deposit accounts (checking, savings, IRAs, CDs, money market).
• Cross-sell and refer to bank partners to deepen relationships.
• Conduct outbound calls to clients and prospects during campaigns.
• Assist with loan applications and hand off processing to the appropriate colleague.

Skills

Customer service

Sales

Education

High school diploma or GED

Job description

Location:This will be onsite as listed in the job posting.

Weekly Scheduled Hours: Monday- Thursday 8:30AM–4PM | Friday 8:30AM– 6PM | Saturday 9am 1pm

SUMMARY

Provide quality, accurate and timely customer service involving daily processing of financial transactions and opening accounts in a retail banking environment. Introduce bank products and services through outreach to prospects and provide tailored recommendations to existing clients to deepen relationships. Perform related duties i.e. outbound sales calls as required to achieve banking center goals (meet/exceed sales goals/referral goals) and provide support to banking center management.

ESSENTIAL DUTIES AND RESPONSIBILITIES

Sales and service

• Provide both teller and platform support as needed to keep client wait times to a minimum and to provide quality customer service. Teller support includes performing daily processing of financial transactions, i.e. deposits, handling currency, coin, and cashing checks. Platform support includes opening checking accounts, savings accounts, and provide all other deposit product services.
• Identify client needs through consultative conversations and recommend appropriate products and services to meet those needs.
• Open and process new demand and time deposit accounts including savings accounts, IRAs, certificates of deposit, and money market accounts.
• Cross-sell and make referrals to bank partners to generate new business and deepen existing client relationships.
• Conduct regular outbound calls to clients and prospects, including participating in client/prospect calling activities during special deposit/loan campaigns.
• Assist client with loan application for personal/retail consumer needs and “handing off” the processing of these applications to the appropriate associate.

Client experience

• Research and resolve problems and respond to client inquiries on account status.
• Deliver excellent client experiences consistently and promptly resolve client issues effectively.
• Enhance individual knowledge to better serve clients by attending relevant sales, service, and product knowledge meetings, training classes, and web-based learning.

Compliance and risk management

• Expected compliance with bank regulations, policies, procedures, risk management, internal controls, and the First Horizon code of ethics.

Operational efficiency

• Assist banking center associates with all aspects of daily operations as needed, including audit controls.
• Assist banking center management with “on the job training” of new associates.
• Stay informed of all operational updates and changes to ensure compliance with all current guidelines.

Perform all other job-related duties as assigned

QUALIFICATIONS

To perform this job successfully, an individual must be able to perform each essential duty satisfactorily. The qualifications listed below are representative of the knowledge, skill, and/or ability required and may be substituted with an equivalent combination of education and experience.

• High school diploma or general education degree (GED) and 1 year of experience as a Teller preferred.

As part of the employment process for this position, you will have to meet the requirements of a background credit check. This position requires compliance with the S.A.F.E Mortgage Licensing Act of 2008 and all related regulations. Ongoing employment is contingent upon meeting all such requirements.