Universal Banker- Union Bank

at Union Bank in Russellville, Arkansas, United States

Job Description

JOB DESCRIPTION

JOB TITLE:

Universal Banker

DEPARTMENT:

Branch Operations

FLSA STATUS:

Non-Exempt

DATE:

February 2026

SECURITY SENSITIVE:

No

REPORTS TO:

Retail Branch Manager

JOB SUMMARY

The Universal Banker is responsible for delivering exceptional customer service while performing a broad range of banking functions, including complex transactions, new account openings, and account maintenance for both personal and business clients. This role also supports branch operations, mentors junior staff, and ensures compliance with bank policies and regulatory requirements.

ESSENTIAL DUTIES AND OTHER RESPONSIBILITIES

• Deliver exceptional customer service by independently processing a wide range of financial transactions, including deposits, withdrawals, transfers, loan payments, check cashing, and monetary instruments, in accordance with bank policy and regulatory guidelines.
• Confidently open and maintain all types of personal, business, trust, HSA, IRA, and DBA accounts, ensuring proper documentation is collected, customer needs are assessed, and regulatory procedures are followed.
• Recommend and open consumer and business CDs; quote rates, apply appropriate transaction codes, and stay current on IRA and HSA contribution limits and regulations.
• Manage safe deposit box access and maintenance, including opening boxes, updating signers, and completing associated documentation in OnBoard.
• Handle complex customer inquiries and account maintenance, including address changes, signer updates, online banking setup, stop payments, debit card disputes, check orders, account alerts, internal transfers, and secure profile updates.
• Accurately reconcile daily cash settlements, teller drawers, and ATM activity; assist with branch cash ordering, perform fee refunds with approval, and follow procedures for counterfeit currency handling and reporting.
• Investigate and escalate suspicious, irregular, or fraudulent activity, including account holds, alerts, and charge-offs; place appropriate holds and alerts with attention to detail and regulatory accuracy.
• Serve as a knowledgeable resource and informal leader to Teller I and Teller II staff by providing transaction overrides, sharing expertise, and supporting day-to-day branch operations in a calm and professional manner.
• Demonstrate advanced proficiency in banking systems for transaction processing, exception handling, customer research, and account updates.
• Maintain and monitor debit card and transaction logs, complete debit card audits, manage exceptions, and ensure accurate and timely follow-up with new account holders regarding online banking access, debit card activation, and check orders.
• Actively participate in ongoing training and compliance programs to stay informed about bank products, security procedures, regulatory changes, and system updates.
• Support operational efficiency by assisting with process improvements, ensuring adherence to internal policies, and stepping in to address branch-level issues as needed.
• Exhibit exemplary attendance and punctuality.
• Comply with company policies and procedures.
• Perform other duties as assigned.

Based on the essential duties listed above, this position is considered security-sensitive and therefore all work must be performed following quality standards and established security procedures.

KNOWLEDGE, SKILLS, AND ABILITIES

• In-depth knowledge of banking products, services, and complex transaction procedures.
• Thorough understanding of cash handling, reconciliation, and daily settlement processes.
• Comprehensive knowledge of bank security policies, regulatory compliance, and fraud detection.
• Strong knowledge of customer service excellence and advanced sales techniques, including cross-selling.
• Proficiency with banking software and data management systems.
• Expert skills in cash handling and transaction processing with a high degree of accuracy.
• Excellent verbal communication and interpersonal skills to handle complex customer interactions.
• Ability to mentor and support junior tellers.
• Strong problem-solving skills for resolving complex customer issues and transaction discrepancies.
• Effective time management and organizational skills to work independently in a fast-paced environment.
• Ability to maintain strict confidentiality and safeguard sensitive customer information.
• Ability to independently follow detailed policies and procedures.
• Ability to detect, investigate, and escalate suspicious or fraudulent activities.
• Ability to adapt quickly to evolving banking products, technology, and regulatory requirements.
• Ability to work accurately and efficiently under pressure.

SUPERVISORY RESPONSIBILITIES AND INTERACTIONS WITH OTHERS

This position does not have any supervisory responsibilities, but may provide mentorship and guidance to junior tellers. Additionally, the Universal Banker interacts with co-workers and customers daily.

EDUCATION, TRAINING, AND EXPERIENCE

• A high school diploma or equivalent is required.
• One year of previous branch banking experience is required.
• Basic computer skills and the ability to learn banking software applications are required.

PHYSICAL DEMANDS

The physical demands described here are representative of those that must be met by an employee to successfully perform the essential functions of this job. Reasonable accommodations may be made to enable individuals with disabilities to perform essential functions.

While performing the duties of this job, the employee is frequently required to sit, talk, hear, and see using close- and/or distance-vision, and use their hands to touch, grasp, or type. The employee may occasionally be required to reach with their hands and arms, walk, and lift or move objects up to 20 pounds. Hand-eye coordination is necessary to operate computers and various pieces of office equipment.

WORKING CONDITIONS

Duties are typically performed in an office environment. The work environment is usually a well-lighted, environmentally controlled indoor environment with a moderate level of noise. This is a full-time position, and hours of work and days are Monday through Friday, 8:00 a.m. to 5 p.m. Work hours may vary depending on the operational activities and required duties; evening and weekend work may be occasionally required.

The above information on this description has been designed to indicate the general nature and level of work performed by employees within this classification. It is not designed to contain or be interpreted as a comprehensive inventory of all duties, responsibilities, and qualifications required of employees assigned to this job. We are an equal opportunity employer, and all qualified applicants will receive consideration for employment without regard to race, color, religion, national origin, age, sex, sexual orientation, gender identity, disability, veteran status, genetic information or any other status protected under applicable local, state or federal nondiscrimination laws.

This job description is only a summary of the typical functions of the job, not an exhaustive or comprehensive list of all possible job responsibilities, tasks, and duties. The responsibilities, tasks, and duties may differ from those outlined in the job description and other duties, as assigned, may be required. This document does not create an employment contract. Employees are employed on an "at-will" basis and may be terminated at any time. Consistent with all federal and state disability laws, Union Bank will provide reasonable accommodation when requested by a qualified applicant or employee with a disability, unless such accommodation would cause a direct threat to this individual or others in the workplace and the threat cannot be eliminated by reasonable accommodation or cause undue hardship to the organization. Union Bank provides equal employment opportunities to all applicants.