Universal Banker

Beneficial State Bank; Portland (OR); On-site; USD 42,000 - 62,000; Full time

Job summary

Beneficial State Bank is seeking a Universal Banker at the Pearl Branch in Portland, OR. The role focuses on delivering an outstanding client experience through relationship-based service, account setup, transaction processing, and digital banking support across in-branch, phone, and online channels.

The ideal candidate will demonstrate strong client relationship skills, sound judgment, and operational accuracy while ensuring compliance with bank policies and regulatory requirements.

Qualifications

• 3-5 years of experience in banking, financial services, or client service environment.
• Proficient cash handling and balancing skills.
• Comprehensive knowledge of banking products and services.
• Working knowledge of banking systems and software applications.
• Understanding of Regulation E, Regulation CC, BSA/AML and related banking regulations.

Responsibilities

• Deliver exceptional client experience as primary contact for consumer and business banking needs.
• Open/maintain consumer and business deposit accounts per policy.
• Provide deposits, withdrawals, check cashing, and card support; maintain records.

Skills

Attention to Detail

Customer Support

Retail Banking

Collaboration

Communication

Time Management

Initiative

Adaptability

Job description

TITLE:

JOB CODE:

FLSA: Non-Exempt

SALARY GRADE: 5

JOB FAMILY: Retail

UNION REPRESENTATION: NA

DEPARTMENT: Pearl Branch

SUPERVISORY ROLE Y/N: N

SCHEDULE: Monday-Friday

LOCATION: On-Site

CATEGORY: Full-Time

REVISION DATE: 10/26

ABOUT US

We practice Beneficial Banking™ by investing in social and environmental impact, prioritizing transparency, and expanding access to equitable financial products, all in pursuit of a banking system that is regenerative for the planet and equitable for all. We bring that same commitment to our people by cultivating a vibrant, inclusive, and purpose-driven culture where employees are empowered to grow, contribute, and thrive. Together, we strive to make a meaningful difference in the communities where we live and work, creating positive impact through partnership, service, and shared success.

POSITION OVERVIEW

The Universal Banker acts as a trusted resource for clients and a key operational partner within the branch. This role is responsible for delivering an exceptional client experience through relationship-based service, account opening and maintenance, transaction processing, digital banking support, and operational oversight.

As a versatile banking professional, the Universal Banker supports both consumer and business clients across multiple service channels, including in-branch, phone, and online banking. This position demonstrates expertise in deposit products, account services, eBanking solutions, and branch operations while ensuring compliance with all Bank policies, procedures, and regulatory requirements.

The role requires strong client relationship skills, sound judgment, operational accuracy, and the ability to identify opportunities to deepen client relationships by connecting clients with products and services that support their financial goals. Depending on branch needs, the incumbent may provide leadership support, transaction approvals, cash management oversight, training, and operational guidance to team members

Client Relationship Management & Banking Services

• Deliver an exceptional client experience by serving as a primary point of contact for consumer and business banking needs.
• Build and maintain strong client relationships through proactive service, product knowledge, in-depth needs assessments, and consultative conversations that identify appropriate banking solutions.
• Open and maintain consumer and business deposit accounts in accordance with Bank policies and procedures.
• Perform account maintenance, stop payments, check orders, debit card support, account servicing, and digital banking support.
• Provide telephone, online banking, and eBanking support to clients and internal staff.
• Process client requests, maintain accurate client and account records, respond promptly to internal and external service requests, and promote products and services that support client financial goals and branch growth objectives.

Branch Operations & Transaction Processing

• Ensure the accuracy, integrity, and efficiency of branch operations through the processing and oversight of financial transactions and operational activities.
• Process deposits, withdrawals, check cashing transactions, cashier's checks, cash advances, night deposits, ATM deposits, courier bags, and other client transactions in accordance with Bank procedures.
• Verify endorsements, balances, funds availability, and client identification to ensure transaction accuracy and compliance.
• Maintain teller cash, vault cash, ATM cash, and daily balancing processes while monitoring branch cash levels and supporting cash order activities.
• Research teller differences, transaction corrections, and operational exceptions, ensuring timely resolution and proper documentation.
• Provide transaction approvals within established signing authority and support daily branch operations to ensure timely, accurate, and professional service delivery.

Risk Management, Compliance & Team Support

• Promote a culture of operational excellence and regulatory compliance by adhering to all Bank policies, procedures, and applicable federal and state regulations.
• Maintain accurate client and account records, ensure proper documentation and controls, identify and escalation operational or compliance concerns, and complete all required training.
• Support branch opening and closing procedures, record retention requirements, scanning, documentation, and operational controls.
• Provide guidance, coaching, and cross-training to team members and support onboarding and development of new staff.
• Assist with workflow coordination, operational oversight, and transaction approvals while serving in a leadership capacity as needed.
• Assume responsibility for branch operations and staff supervision in the absence of the Branch Manager, ensuring smooth daily operations, regulatory compliance, and exceptional client service.
• Participate in branch and Bank-wide campaigns, goals, initiatives, and special projects while supporting achievement of branch performance objectives.

Other

• Completes mandatory compliance training in accordance with established deadlines.

The position performs duties specific to the position and other functions as assigned.

ROLE COMPETENCIES/SKILLS

• Attention to Detail
• Collaboration & Communication
• Diversity & Inclusion
• Execution & Ownership
• Time Management
• Customer Support
• Retail Banking
• Collaboration
• Adaptability
• Initiative

WORKING ENVIRONMENT & PHYSICAL DEMANDS

The work environment characteristics and the physical and cognitive requirements described here are representative of those an employee encounters while performing the essential functions of this position.

• This position is based in a non-confined office setting where the employee is free to move about as needed. This role is performed in a typical office environment. For hybrid and remote positions, work may also be performed away from BSB worksites, depending on business needs. Employees working remotely are required to maintain a dependable, high-speed internet connection and a work environment conducive to frequent phone and video calls, where private, confidential, or proprietary information cannot be seen, overheard, or otherwise accessed by unauthorized individuals.
• This position requires writing, typing, speaking, listening, lifting up to 10 pounds, driving (personal, company, or rental vehicle on occasion), carrying, sitting, pulling, walking, standing, squatting, kneeling, reaching, and using close, color, and peripheral vision, depth perception, and the ability to adjust focus.
• This position may require the ability to operate any or all the following: personal computer, cellular telephone, printer, fax, and other standard office equipment.
• This position requires the ability to read and interpret documents, perform detailed work, solve problems, interact with customers, apply reasoning and mathematical skills, communicate effectively both verbally and in writing, deliver presentations, analyze information, manage multiple concurrent tasks, adapt to changing priorities, and work effectively in a fast-paced environment with frequent interruptions.
• Reasonable accommodations may be made to enable qualified individuals with disabilities to perform the essential functions.

POSITION REQUIREMENTS

Minimum Qualifications

• Competencies/Skills listed above, as well as:
• 3-5 years of experience in a banking, financial services, or client service environment
• Effective organizational and time management skills
• Proficient cash handling and balancing skills
• Comprehensive knowledge of banking products and services
• Working knowledge of banking systems and software applications
• Proficiency in Microsoft Office applications
• Understanding of Regulation E, Regulation CC, BSA/AML, and related banking regulations
• Strong attention to detail and accuracy
• Ability to exercise sound judgment and maintain confidentiality

Preferred Qualifications

• Experience opening and servicing consumer and business deposit accounts
• Experience supporting digital banking products and services
• Previous cash handling and branch operations experience preferred

Management reserves the right to change this position description at any time according to business needs.