Universal Banker

Central Bank; O’Fallon (MO); On-site; USD 42,000 - 60,000; Full time

Job summary

Central Bank in Missouri is seeking a Universal Banker to deliver an outstanding customer experience by handling teller transactions and personal banking services. This role acts as the main point of contact for customers, guiding them through everyday banking needs with care and professionalism.

You will identify financial needs, recommend appropriate products, participate in referral programs, and help grow the branch, while strictly following bank policies and applicable regulations.

Responsibilities

• Process customer transactions accurately including deposits, withdrawals, loan payments, and negotiable instruments with minimal errors.
• Open and maintain consumer accounts with accuracy, compliance, and positive onboarding.
• Engage customers to identify financial needs and recommend appropriate products and services.
• Participate in referral programs, meeting goals and contributing to branch sales.
• Maintain and balance cash drawer within established limits and procedures.
• Provide exceptional customer service in person and by phone, resolving issues professionally.
• Maintain knowledge of bank products, services and regulations to support customers.
• Prevent fraud by following procedures, identifying suspicious activity, and enforcing security protocols.
• Comply with banking regulations, including Bank Secrecy Act and information security standards.

Job description

Position Summary

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. 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.