Universal Banker

United Bank; Morehead City (NC); On-site; USD 36,000 - 48,000; Full time

Job summary

United Bank in Morehead City, NC is seeking a Universal Banker to provide proactive, consultative financial guidance, greet customers, process branch transactions, and support daily operations while delivering a memorable client experience.

You will develop product knowledge, identify customer needs, and refer to appropriate teams, aiming to achieve sales goals and build lasting customer relationships within a collaborative team.

Qualifications

• Minimum three (3) years of customer contact and service experience or two (2) years in banking, preferably in a branch.
• Experience handling and being accountable for money is required.
• Ability to successfully complete the Bank’s in-house Training Program.
• Sales-oriented, relationship-building demeanor.
• Excellent verbal and written communication skills in Spanish or another language a plus.
• Proficient with MS Office.
• Detail oriented, able to multi-task and work independently and in a team.

Responsibilities

• Greet customers and manage lobby to connect with them.
• Provide accurate, efficient branch transactions with professionalism.
• Maintain knowledge of bank products and services to advise clients.
• Record customer interests and schedule future financial reviews.
• Offer pre-approved offers and conduct financial overviews.
• Recommend services to meet customer needs and build loyalty.
• Explain product benefits, fees, and requirements clearly.
• Refer customers to other bank associates as needed.
• Support daily branch operations and ensure policy compliance.
• Collaborate with other departments to resolve issues.
• Help meet branch goals and participate in action plans.
• Assist with opening/closing of branch when required.
• Contribute to branch workflow and team success.

Skills

Customer service

Sales oriented

Bilingual English/Spanish

Communication skills

Microsoft Office

Education

High school diploma or equivalent

Bachelor’s degree a plus

Tools

Microsoft Office

Job description

Job Description

The Universal Banker provide a proactive, consultative style of banking that builds customer relationships based on trust and the ability to identity financial needs and recommend solutions. You will be responsible for assisting with branch operations, delivering a unique and memorable client experience, achieving sales goals and handling service requests. You will perform additional duties as assigned and must be able to work in a team environment that requires the ability to multi-task, pay great attention to detail, and a passion for customer service.

Responsibilities

• Proactively greet customers by performing lobby management activities to connect with customers, assess reason for visiting the branch and assess customers accordingly.
• With a high level of accuracy, efficiency and professionalism, responsible for providing excellent customer service to clients by processing all branch related transactions.
• Responsible for keeping current and being knowledgeable of all Bank’s products and services in order to communicate to new and existing clients.
• Maintains customer information on those expressing interest in future financial discussions and of pertinent customer information including notations about future events that may involve need of financial services/products
• Proactively contacts customers to present pre-approved offers for financial products/services or to offer a general financial overview and schedules customer meeting to conduct a structured financial review to obtain understanding of their financial situation.
• Based on customer’s needs, makes recommendations on services/products that would assist customer in meeting their needs. Create customer loyalty and grow customer through a differentiated customer experience. Educate customers on options for managing financial transactions by leveraging technology, tool and resources.
• Communicate clearly and accurately to customer of financial products/services including benefits, requirements and any associated fees or costs associated with product/service.
• Identify and refer when appropriate to a customer to another Bank associate or department to discuss certain financial products/services.
• Participates in daily operations of the Branch which may include transaction servicing on the platform or in the sales associate area.
• Comply with all department and company policies, procedures and overall security.
• Notifies appropriate Bank staff when a situation poses potential risk or when a customer demonstrates suspicious behavior.
• Work closely with other departments as necessary to troubleshoot and resolve customer situations.
• Contributes to the responsibility of meeting monthly branch and/or individual scorecard goals on a consistent basis by monitoring self-performance and following action plans.
• Determine when appropriate to make policy exceptions within established guidelines (e.g., fee waivers, funds availability) in order to maintain positive customer relations.
• May be responsible for branch opening/closing procedures.
• Contribute to the fulfillment of the Bank’s objectives and goals by performing as a team member in allocating and coordinating the workflow.

Qualifications

• High school diploma or equivalent required, Bachelor’s degree a plus
• Minimum of three (3) years of previous professional level of customer contact and service working experience or minimum of two (2) years of prior working experience in a Banking environment, preferably in a branch is required
• Prior experience in handling and being accountable for money is required
• Ability to successfully complete the Bank’s in-house Training Program within a reasonable timeframe required
• Ability to demonstrate in a professional manner, a sales-oriented and relationship building demeanor
• Excellent verbal and written communications skills in Spanish or additional language a plus.
• Ability to perform basic math calculations is required
• Demonstrates ability to interact confidently with clients is essential
• Ability to be initiative in self-directed learning of Bank’s products/services in order to expand and become well versed with the products/services offered.
• Excellent written and verbal communication skills
• Proficiency in Microsoft Office Products (Word, Excel) required
• Understanding and working knowledge of appropriate core banking system is beneficial
• Being detail oriented, ability to multi-task and work independently and in a team environment is essential.
• Demonstrated professionalism is required
• Ability to travel within branch region of up to 15%

Key Competencies

• Relationship and account management
• Business Development
• Accountability
• Organization and Time Management
• Collaboration

Essential Functions

• Sitting and standing for extended periods of time.
• Ability to reach over teller counter or desk area to receive customer transaction documents
• Ability to lift and carry up to 20 lbs
• Ability to efficiently operate a computer keyboard, mouse, power tools, and other computer components.
• Ability to converse and exchange information with all levels of staff within organization.
• Ability to observe, perceive, identify, and translate data
• Ability to travel via automobile or public transportation

Company Profile

At United, our strength is our people, and we are committed to nurturing a culture that is reflective of the communities we serve; promotes respect and a shared purpose; and aligns with our core values.

Equal Opportunity Employer. All qualified applicants will receive consideration for employment without regard to race, color, religion, age, sex, national origin, disability, status as a protected veteran, or any other characteristic protected by law.