Universal Banker

Central Bank; Warrensburg (MO); On-site; USD 35,000 - 52,000; Full time

Job summary

Central Bank in Warrensburg, MO is seeking an entry-level Universal Banker to drive sales and nurture customer relationships. You will identify customer needs, explain banking options, and open accounts while performing day-to-day teller tasks.

The role emphasizes achieving monthly sales and referral goals and active customer engagement. You will initiate conversations, ask for business, and collaborate with branch partners to deliver solutions and excellent service, while following regulatory

Qualifications

• Identify customer needs and recommend bank solutions.
• Open and document various accounts accurately.
• Perform teller duties and resolve routine customer concerns.

Responsibilities

• Welcome customers, assess needs, and explain deposit products and services.
• Open and document checking, savings, CDs, IRAs, online banking, debit/credit cards and other products.
• Complete account maintenance, transfers, research and service requests.
• Process teller transactions and balance cash drawer as needed.
• Resolve routine concerns and escalate when required.
• Build knowledge of Bank products and digital tools to support referrals.

Job description

The Universal Banker is an entry-level sales and relationship-banking position. A primary requirement of this role is to actively identify customer needs, recommend appropriate Bank solutions and achieve assigned monthly sales and referral scorecard goals. The Universal Banker also opens and services accounts and performs day-to-day teller work; however, transaction responsibilities do not replace or reduce the role’s sales expectations. Employees in this position are expected to initiate customer conversations, ask for business, follow up on opportunities and demonstrate consistent progress toward individual goals.

Key Responsibilities

• Welcome customers, assess their needs and explain relevant personal and business deposit products and services.
• Open and accurately document checking, savings, certificates of deposit, safe deposit boxes, IRAs, online banking, debit cards, credit cards and other approved products within role authority.
• Complete account maintenance, research, stop payments, address changes, check orders, funds transfers and other service requests.
• Process teller transactions and balance a cash drawer when assigned.
• Resolve routine customer concerns and involve the Branch Lead or appropriate partner when additional authority or expertise is needed.
• Build knowledge of Bank products, digital tools and business partners to support effective customer conversations and referrals.

Sales, Service and Scorecard Expectations

• Meet assigned monthly sales, product and referral scorecard goals as an essential responsibility of the position.
• Proactively initiate needs-based conversations with customers, recommend suitable solutions and confidently ask for the customer’s business rather than waiting for customers to request additional products or services.
• Develop qualified referrals to other business units, complete timely follow-up and maintain ownership of agreed next steps.
• Accurately and consistently record sales activities, customer contacts, referrals, follow-up and outcomes in the designated tracking process.
• Review scorecard results and activity with the Branch Lead, accept coaching, and make prompt changes when performance or activity is below expectation.
• Actively participate in sales training, outbound calling, campaigns, prospecting, follow-up activities and branch sales initiatives.

Risk, Compliance and Operational Standards

• Apply account-opening, teller, fraud-prevention, loss-control and security procedures consistently.
• Understand and follow applicable requirements, including BSA and relevant consumer regulations.
• Maintain required documentation and protect customer and Bank information.
• Exercise sound judgment and promptly escape exceptions, suspicious activity, errors or customer concerns.