Universal Banker

Job Description

Job Description

Who We Are:

We named our Company Verus because it is loosely translated Latin for right. Our philosophy is do the right thing: do right by our community, do right by our shareholders, do right by our employees, and do right by our customers. Following this simple philosophy we have grown the bank into one of the premier community banking franchises in this market, and in fact one of the strongest in the state and the nation. At its roots, a community bank is worth nothing more and nothing less than its relationships: relationships with clients, employees, shareholders and the community.

What's in it for you:

• Competitive pay $20 - $24 per hour depending on experience
• 401K match eligible after one year of service
• Medical/Dental/Vision/Life/Disability plans with FSA and HSA options
• Paid time off and paid holidays
• Employee Assistance Program

Seeking a positive, outgoing, professional team player to join our Operations staff at VBOC!

40 hours per week, schedule availability Mon-Fri 8AM-6PM, NO Saturday hours!

Previous banking experience required. 

UNIVERSAL BANKER

Employer: Verus Bank of Commerce
Department: Operations
Reports To: Operations Manager
Effective Date: September 3, 2026

POSITION SUMMARY

The Universal Banker serves as a primary point of contact for customers, delivering exceptional service and financial solutions while supporting branch growth and operational excellence. This position performs a combination of teller, account opening, customer service, and relationship-building activities. The Universal Banker identifies customer needs, recommends appropriate products and services, supports digital banking solutions, and ensures compliance with all bank policies, procedures, and regulatory requirements.

ESSENTIAL DUTIES AND RESPONSIBILITIES

Customer Service & Relationship Management

• Deliver exceptional customer service through professional, courteous, and efficient interactions.
• Build and maintain strong customer relationships through proactive communication and follow-up.
• Effectively identify customer needs and recommend appropriate banking products, services, and solutions.
• Retain existing customer relationships by responding to concerns and providing alternative solutions when customers request to close accounts.
• Assist customers with account inquiries, product information, and service requests.
• Educate customers on digital banking services, including online banking, mobile banking, debit card services, and electronic payment solutions.
• Support branch growth through referrals, cross-selling, and participation in branch sales and service initiatives.

Teller Operations

• Process customer transactions including deposits, withdrawals, check cashing, cashier's checks, bond transactions, and other applicable banking services.
• Ensure transactions are completed accurately and in accordance with established policies and procedures.
• Provide customers with account balance information, transaction receipts, and related account services.
• Balance and reconcile cash drawer and assigned cash items daily.
• Maintain transaction accuracy and safeguard customer and bank assets.

New Accounts & Account Servicing

• Open and service consumer deposit accounts, including checking, savings, money market accounts, certificates of deposit, and related banking products.
• Maintain accurate customer records and documentation.
• Process account maintenance requests and customer service transactions.
• Ensure all required documentation and system records are completed accurately and timely.

Compliance & Risk Management

• Adhere to all applicable bank policies, procedures, and regulatory requirements, including BSA, AML, OFAC, CIP, and information security standards.
• Identify and appropriately escalate suspicious, fraudulent, or unusual activity.
• Maintain confidentiality of customer and bank information.
• Support internal audits, certifications, operational reviews, and compliance examinations.
• Follow established controls to minimize operational and financial risk.

Operations & Administrative Support

• Prepare reports, correspondence, and required operational documentation.
• Assist with branch operational tasks, balancing activities, certifications, and audit preparation as assigned.
• Maintain working knowledge of bank products, services, procedures, and technology platforms.
• Complete special projects and additional duties as assigned.

Professional Expectations

• Demonstrate professionalism, integrity, and accountability in all interactions.
• Maintain regular and reliable attendance and punctuality.
• Foster positive working relationships with customers, coworkers, and business partners.
• Contribute to a collaborative team environment and support organizational goals.

QUALIFICATIONS

Education

• High School Diploma or equivalent required.
• Associate degree or related coursework in business, finance, or a related field preferred.

Experience

• One to three years of banking, customer service, cash handling, retail sales, or related experience preferred.
• Previous experience opening and servicing deposit accounts preferred.

Knowledge, Skills, and Abilities

• Excellent customer service and relationship-building skills.
• Strong verbal and written communication skills.
• Working knowledge of banking products and services.
• Ability to identify customer needs and recommend appropriate solutions.
• Knowledge of banking regulations and compliance requirements preferred.
• Proficiency with Microsoft Office applications and core banking systems.
• Strong organizational, problem-solving, and time-management skills.
• Ability to manage multiple priorities in a fast-paced environment.
• Strong attention to detail and accuracy.
• Ability to work independently and collaboratively within a team environment.
• Ability to maintain confidentiality and exercise sound judgment.
• Bilingual skills are a plus.

CORE COMPETENCIES

Customer Focus

Consistently delivers exceptional service, responds promptly to customer needs, and develops long-term customer relationships.

Relationship Building & Business Development

Identifies opportunities to strengthen customer relationships and support branch growth through referrals and product recommendations.

Compliance & Risk Awareness

Understands and follows applicable regulations, policies, procedures, and internal controls while protecting customer and bank information.

Problem Solving

Analyzes situations, gathers relevant information, evaluates alternatives, and resolves issues effectively.

Teamwork

Collaborates effectively with others, supports teammates, and contributes to a positive and productive work environment.

Adaptability

Maintains effectiveness in changing environments and adjusts priorities to meet business demands.

Accountability & Professionalism

Demonstrates integrity, reliability, sound judgment, and ownership of responsibilities.

Quality & Accuracy

Produces accurate work, follows procedures, and continually seeks opportunities for improvement.

PHYSICAL DEMANDS AND WORK ENVIRONMENT

• Frequently required to use standard office equipment.
• Frequently required to stand, walk, and sit.
• Frequently required to utilize hand and finger dexterity.
• Continually required to communicate verbally and hear.
• Continually required to read information and utilize computer systems.
• Occasionally required to lift, push, pull, or carry up to 50 pounds.

The above statements are intended to describe the general nature and level of work performed by individuals assigned to this position. They are not intended to be an exhaustive list of all responsibilities, duties, and skills required. Management reserves the right to assign or reassign duties as needed. Reasonable accommodations may be made to enable qualified individuals with disabilities to perform the essential functions of the position.