Universal Banker

Central Bank; St. Louis (MO); On-site; USD 38,000 - 56,000; Full time

Job summary

Central Bank Of St. Louis seeks a Universal Banker to deliver exceptional customer experiences by supporting teller transactions and personal banking services.

You will be a primary customer contact, handling day-to-day transactions while identifying financial needs and recommending suitable products. You will participate in referral programs to support branch growth and ensure compliance with Bank Secrecy Act and related regulations while building trusted relationships with customers in the St.

Qualifications

• Strong customer service and relationship-building skills.
• Ability to identify customer needs and recommend solutions.
• Attention to detail and accuracy in transaction processing.
• Proficient reading/writing/speaking English.
• Balance service and sales responsibilities in a fast-paced environment.
• Ability to handle confidential information with discretion.

Responsibilities

• Process customer transactions accurately and efficiently.
• Open and maintain consumer accounts with accuracy.
• Engage customers to identify financial needs and offer products.
• Participate in referral programs to meet goals.
• Balance cash drawer within limits.
• Provide exceptional service by phone and in person.
• Maintain knowledge of bank products and regulations.
• Prevent fraud following procedures and security protocols.
• Comply with banking regulations including BSA requirements.

Skills

Customer service

Relationship-building

Attention to detail

English proficiency

Sales/referral skills

Confidential information handling

Education

High school diploma or equivalent

Job description

About Central Bank Of St. Louis

Central Bank of St. Louis is a community-focused financial institution committed to building strong relationships and delivering exceptional service. We take pride in supporting the financial success of individuals and businesses throughout the St. Louis region by combining personalized service with a full range of banking solutions.

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.

Core Qualifications

• Strong customer service and relationship-building skills.
• Ability to identify customer needs and recommend appropriate solutions.
• Strong attention to detail and accuracy in transaction processing.
• Demonstrated proficiency in the English language, including the ability to read, write, speak, and comprehend English effectively.
• Ability to balance service and sales responsibilities in a fast-paced environment.
• Sound judgment and ability to handle confidential information appropriately.

Education And Experience

• High school diploma or equivalent required.
• Prior banking, cash handling, or customer service experience preferred.
• Sales or referral experience is a plus.