What are the responsibilities and job description for the Universal Banker (1-3 years of experience) position at Ozark Bank?
Overview
The Universal Banker serves as a frontline ambassador of the bank, delivering exceptional customer service while performing both Teller and Banker functions. This role is responsible for accurately processing daily transactions, opening and servicing a full range of consumer and business deposit accounts, identifying customer needs, and supporting branch sales and operational goals. The Universal Banker plays a key role in building long-term customer relationships and supporting the bank’s mission within the community.
Key Responsibilities:
Teller Responsibilities
- Accurately process all customer teller transactions, including deposits, withdrawals, transfers, loan payments, and check cashing
- Balance cash drawer and vault in accordance with bank policy
- Follow all security, audit, and compliance procedures, including BSA/AML and OFAC requirements
- Identify and report suspicious or fraudulent activity
- Provide friendly, prompt, and professional service at the teller line and drive‑thru
- Answer customer questions regarding accounts, bank products, and services
New Account & Customer Service Responsibilities
- Open and maintain all deposit products while following correct account titling procedures, including:
- Personal and business checking and savings accounts
- Certificates of Deposit (CDs)
- Individual Retirement Accounts (IRAs)
- Health Savings Accounts (HSAs)
- Collect and verify required documentation in compliance with CIP, KYC, and bank policies
- Educate customers on account features, fees, and digital banking services
- Perform account maintenance, including signature updates, address changes, account closures, and research requests
Relationship Building
- Proactively identify customer financial needs through conversation
- Recommend appropriate bank products and services using a customer‑first approach
- Cross‑sell and refer customers to additional deposit services, loans, cash management, or credit card solutions
- Support branch referral and deposit growth goals while maintaining service excellence
Administrative & Operational Duties
- Maintain accurate and complete customer records
- Assist with branch operational tasks, reports, and audits
- Support branch coverage needs, including lobby, teller line, and drive‑thru
- Perform other duties as assigned to support efficient branch operations
Required Skills & Qualifications
· Experience
o 1 -3 years of banking, teller, customer service experience preferred.
o Experience opening deposit accounts or working in a banking environment is a plus
· Skills:
o Strong customer service and interpersonal skills
o Excellent attention to detail and accuracy
o Ability to identify issues, research, and resolve customer concerns
o Ability to clearly explain banking products and services
o Sales‑minded with strong relationship‑building skills
o Strong organizational and time‑management abilities
o Ability to multitask, work independently, and function as part of a team
o Proficiency with computer and banking software systems
· Education:
o High School Diploma or equivalent
Benefits:
- 401(k)
- Dental insurance
- Health insurance
- Life insurance
- Paid time off
- Vision insurance
Experience:
- Customer service: 1 year (Preferred)
- Cash handling: 1 year (Preferred)
- Banking: 2 years (Required)
Work Location: In person