Universal Banker

Job Details

Job Location
Higginsville Branch - HIgginsville, MO


What being a Trusted Advisor in the role of a Universal Banker entails:

The Universal Banker is an integral member of the Higginsville Banking Center. Universal Bankers provide extraordinary customer experiences daily by meeting a broad range of financial service needs of external and internal customers. Working as one team, Universal Bankers provide assistance to Consumer Bankers and Loan Officers. With extensive knowledge of the bank's products, Universal Bankers meet customers' financial needs through selling and cross-selling.

Work is varied in nature with changing priorities. Requires working knowledge of bank products and services. Universal Bankers work under general supervision and in compliance with established policies, procedures, and regulations.


Responsibilities: (majority of duties, but not meant to be all-inclusive nor prevent other duties from being assigned as necessary)
  • Interviews customers and prospects to acquire information and define financial needs; recommends and sells products to meet their financial needs and opens appropriate new accounts. Prepares new account documentation. Executes many cross-sell opportunities with established and prospective customers.
  • Sells and redeems Certificates of Deposit.
  • Opens and maintains Individual Retirement and Health Savings Accounts.
  • Takes loan applications for retail loans. Collects fees and documentation related to funded loans. Prepares loan documentation.
  • Receives and screens telephone calls and visitors; responds to inquiries or routes callers to appropriate personnel. Researches and resolves problems, initiates and follows-up research requests. Assists in balancing statements. May work with Reg E disputes.
  • Accepts and processes telephone and wire transfers, stop payment requests and check orders. Closes accounts. Admits customers to safe deposit boxes. May open and maintain safe deposit accounts.
  • Provides customers with notary services, NADA vehicle values, and other non-bank services. Refers customers with non-retail product needs to appropriate providers.
  • Performs loan support and new account support duties such as running credit bureau reports, typing, filing, making copies, using word processing and spreadsheet programs, taking loan payments, processing loan extensions, processing titles, etc.
  • Performs all Teller duties (see Teller job description).
  • Other duties as assigned.

Attributes and abilities we are looking for in our candidates:
  • Displays attributes of Trusted Advisor with knowledge of all bank products and services, policies, and procedures.
  • Knowledge of some deposits, lending, and banking concepts and regulations
  • Possesses a One Team mindset and values working together as a team, building and strengthening relationships internally bank-wide, and externally.
  • Driven to continue to learn and grow as an individual, grow the bank, and meet strategic goals.
  • Moderate computer skills with basic knowledge of all lending and deposit systems and applications.
  • Basic accounting skills to perform balancing, reconciliation, reporting, and analysis functions.
  • Driven to provide extraordinary customer experiences by knowing and being able to explain bank products and services to sell and cross-sell products to best meet customers' financial needs.
  • Effective and professional communication skills: written, oral, interpersonal, and negotiating skills with the ability to recognize and respond to sales opportunities.
  • Efficient and accountable, possessing the capacity to use the resources provided to succeed in a fast-paced and challenging environment, under minimal supervision, but in line with established policies and procedures.
  • An understanding of and commitment to Wood and Huston Bank's core values: Trusted Advisor, Driven, Pioneering, Efficient, Reliable, and Accountable.
  • At least 90 days in current position required.
Salary Range
$27,000.00 - $42,000.00
per Year
Salary range estimated by
salary estimation provided by zippia
Higginsville, MO, 64037, US