VP Universal Banker

Legacy-Bank; Farmington (AR); On-site; USD 52,000 - 68,000; Full time

Job summary

Legacy Bank is seeking an Universal Banker in Farmington, AR to lead daily banking center operations while performing junior-lender responsibilities. You will deliver outstanding customer service, drive deposit growth, manage branch controls, coach staff, and originate/servicer consumer and small business loans within authority.

This hybrid role reports to Retail leadership with a focus on culture, policy adherence, and risk standards, while supporting the Lending team’s objectives.

Qualifications

• High School Diploma or GED required; 5+ years in retail banking or lending preferred.
• Experience leading banking center staff and operations.
• Strong knowledge of consumer and small business loan fundamentals.
• Commitment to customer service and adherence to bank policies.

Responsibilities

• Oversee daily banking center operations, teller and new accounts services, scheduling, and issue resolution.
• Lead and coach branch staff to meet performance and service standards.
• Originates and services consumer and small business loans within authority limits.
• Collaborate with Retail Operations and Lending teams to ensure policy compliance and risk controls.
• Develop loan opportunities through cross-selling and community outreach.
• Support audits, security procedures, and internal controls.

Skills

Customer service

Loan knowledge

Leadership

Retail banking

Education

High School Diploma or GED

Bachelor’s degree in finance or related area

Job description

Description

Position Summary:

The Universal Banker is a hybrid role that combines day-to-day leadership of a banking center with junior-lender responsibilities. This position is accountable for delivering outstanding customer service, driving deposit growth, ensuring strong branch operations and controls, coaching staff, and originating/servicing consumer and small business loans within established authority limits. The Universal Banker functions with a high level of independence while partnering closely with Retail Operations and the Lending team to ensure consistent execution of the bank’s culture, policies, and risk standards. This position reports to Retail leadership, with a dotted line reporting to Lending leadership.

Major Duties and Accountabilities:

• Takes part in and embraces the Legacy Culture by giving outstanding customer service to both internal and external customers.
• Provides day-to-day oversight of banking center operations including teller and new account services, workflow coverage, scheduling, and customer issue resolution.
• Maintains strong operational controls and adherence to security procedures at all times.
• Maintains knowledge of daily operational processes (ATM/dispenser, vault, teller balancing) and steps in to work/balance a teller drawer when necessary.
• Works with internal auditing staff to facilitate internal audits.
• Partners with Facilities/Operations to maintain banking center premises, appearance, and readiness for customers and staff.
• Works with consumer and small business loan applicants to originate loans that are profitable, policy-conforming, and within the bank’s desired market and loan types.
• Develops proficiency in underwriting fundamentals and collateral types; collaborates with senior lenders on complex requests.
• Services assigned loan relationships and supports portfolio management expectations, including assistance with past due management and exception tracking consistent with bank goals.
• Actively seeks consumer and small business loan opportunities through calling efforts, referrals, community involvement, and other business development means.
• Adheres to all bank policies and procedures, including BSA/AML, OFAC, CIP, privacy, fair lending/UDAAP, information security, and internal controls; escalates concerns appropriately.
• All other duties as assigned.

Supervisory Responsibility:

Provides direct day-to-day leadership for banking center staff (teller/new accounts and related retail roles as assigned), including coaching, training, scheduling, and performance feedback/evaluations, consistent with bank practices.

Requirements

Required:

• High School Diploma or GED equivalent.
• Minimum of 5 years of progressive banking experience in retail banking or lending.
• Prior management experience.
• Knowledge of consumer and small business loan fundamentals.

Preferred:

• Bachelor’s degree in finance, accounting, business, or related area.
• Prior consumer lending experience and exposure to small business lending/underwriting.
• Prior branch management or assistant branch manager experience.