Universal Banker II

Posted: 03/01/2023

Summary: This position is responsible for providing exceptional service to all bank clients, whether in person, over the phone, or via written correspondence.  The position requires a thorough understanding of all client transactions, effective communication, and the ability to sell/cross-sell/refer all bank products and services.  Universal Bankers are responsible for risk management, establishing new relationships, opening new accounts, processing transactions, keeping accurate records of negotiable instruments, and balancing all in a professional, efficient, friendly, and accurate manner.    

Duties and Responsibilities:

  • Working knowledge and understanding of all bank products and services
  • Support the achievement of branch sales goals and objectives (i.e., deposits, loans, referrals, etc.)
  • Generate new business to assist in meeting the established production and profitability goals of the branch
  • Needs-Based Selling:  Proactively promote, cross-sell, and refer products and services as appropriate to meet our client’s financial needs
  • Prepare and compile new account applications and required information to open new accounts for both business and consumer prospects/clients
  • Refer client opportunities to internal and external sales partners to meet client financial needs
  • Provide ongoing relationship servicing with existing clients
  • Exceed client expectations in terms of accuracy, efficiency, courtesy, and professionalism
  • Respond to clients’ inquiries and requests regarding accounts
  • Process routine to complex client transactions - i.e., deposits, transfers, wires, check cashing 
  • Notary Commission: serve as one of the branch team notaries if applicable 
  • Regular and consistent attendance required 
  • Perform other duties as assigned

Qualifications: To perform this job successfully, an individual must be able to perform each essential duty satisfactorily. The requirements listed below are representative of the knowledge, skill, and/or ability required. Reasonable accommodations may be made to enable individuals with disabilities to perform essential functions. 

Education and/or Experience:

  • High School Diploma or equivalent required; Associate/Bachelor’s degree preferred
  • Minimum of 3 to 5 years of financial services experience required


  • Excellent command of the English language, both written and verbal
  • Must be able to effectively communicate with all levels within the organization and out in the community
  • Must be able to assess any given situation, make decisions and bring to a successful resolution
  • Must be experienced in the effective use of one or more core banking deposits and new account software 
  • Must have satisfactory working knowledge and proficiency with Word, Excel, Outlook PowerPoint, etc. 
  • General Mathematics and Accounting

Approximate Time Allocation: 

25% = Risk Management, Operations, Compliance, Training, Meetings, etc.

75% = Client Service/Sales, Lobby Management

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 regularly required to sit for long periods; use hands to operate controls on the computer; reach with hands and arms for phone and computer work; to communicate on the phone for extended periods. The employee must occasionally lift and/or move up to 25 pounds. Specific vision abilities required by this job include close vision, distance vision, color vision, peripheral vision, and the ability to adjust focus. This job description is subject to change at any time.

First Foundation is an equal opportunity employer, and all qualified applicants will receive consideration for employment without regard to race, color, religion, sex, national origin, protected veteran status, status as a qualified individual with a disability, sexual orientation, gender identity, or any other characteristic protected by law.

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