Universal Banker I in Marble Falls, Texas at Security State Bank And Trust
Job Description
Department | Bank Operations |
Reports To | Branch Manager |
FLSA Status | Non-Exempt |
Employment | Full-time; Monday through Friday, 8:00 a.m. to 5:00 p.m. |
Location | Marble Falls |
Travel | Travel between SSB&T locations and to approved business or community events as business needs require. |
Security State Bank & Trust (SSB&T) has proudly served Texas communities since 1941. As a growing community bank, SSB&T is committed to building meaningful relationships, delivering exceptional service, and making a positive impact in the communities served.
Guided by the core values of Care, Do What Is Right, and Go Above and Beyond, SSB&T fosters a culture where team members are empowered to grow, contribute, and make a difference.
About the RoleUniversal Banker I serves as a key point of contact for customers, delivering exceptional service while assisting with both teller transactions and basic relationship banking activities. Reporting to the Branch Manager, this role is responsible for building customer relationships, identifying financial needs, and providing solutions that support customer financial goals.
The Universal Banker I contributes to SSB&T's success by delivering a positive customer experience, supporting branch growth, promoting Bank products and services, and ensuring operational excellence and compliance with Bank policies and regulatory requirements. This position serves as a foundational role within Retail Banking, combining customer service, sales, and operational responsibilities to support the overall success of the branch.
Essential ResponsibilitiesChampion SSB&T’s Core Values- Demonstrate and uphold SSB&T's core values through professionalism, accountability, data strategy, governance, customer service, and team culture.
- Deliver exceptional customer service by assisting customers with account inquiries, transactions, and banking service needs.
- Build and strengthen customer relationships through professional, courteous, and personalized interactions.
- Identify customer financial needs and recommend appropriate banking products and services.
- Educate customers on digital banking tools, online banking resources, and self-service solutions.
- Resolve customer concerns efficiently and escalate complex issues when appropriate.
- Accurately process customer transactions, including deposits, withdrawals, transfers, payments, and check cashing.
- Balance cash drawer and maintain transaction accuracy in accordance with bank policies and procedures.
- Verify customer identity and ensure all transactions are completed securely and efficiently.
- Support branch opening, closing, and daily operational activities.
- Maintain accurate records and documentation related to customer transactions and account servicing.
Sales & Product Support
- Promote and cross-sell bank products and services based on customer needs and financial goals.
- Generate referrals for lending, treasury management, wealth management, and other bank services.
- Assist customers with account opening, maintenance, and servicing activities.
- Support branch sales objectives through proactive customer engagement and relationship development.
- Maintain knowledge of bank products, services, and promotional campaigns.
Compliance & Risk Management
- Ensure compliance with all bank policies, operational procedures, and regulatory requirements.
- Adhere to Bank Secrecy Act (BSA), Anti-Money Laundering (AML), Customer Identification Program (CIP), and other compliance standards.
- Monitor transactions for potential fraud, suspicious activity, or operational risk concerns.
- Maintain confidentiality and security of customer and bank information.
- Support audit, examination, and compliance review activities as requested.
- Maintain accurate customer and transaction records within designated banking systems.
- Assist with branch operational reporting, documentation, and administrative responsibilities.
- Support workflow efficiency by completing assigned tasks accurately and within established timelines.
- Ensure branch facilities and work areas maintain a professional appearance and operating environment.
- Assist with special projects and branch initiatives as assigned.
- Collaborate with branch team members to achieve service, operational, and sales goals.
- Participate in training programs to maintain knowledge of banking products, systems, and procedures.
- Support cross-training efforts to enhance branch flexibility and operational continuity.
- Maintain strong communication with branch leadership and colleagues.
- Contribute to a positive team culture focused on customer satisfaction, accountability, and continuous improvement.
Nothing in this job description restricts SSB&T’s ability to modify, reassign, or supplement the employee's duties and responsibilities at any time, with or without notice.
Candidate Requirements- High school diploma or GED (for teller and entry-level positions)
- Familiarity with applicable banking regulations
- Proficiency with standard office software and ability to learn core banking platforms
- Effective written and verbal communication skills
- Attention to detail
- Ability to adapt to growing business needs, process changes, and evolving responsibilities.
- Ability to pass a criminal background check and any required pre-employment screening.
- Ability to obtain and maintain any licenses, registrations, or role-specific credentials required by law, regulation, or Bank policy.
- High school diploma or equivalent required; Associate's or Bachelor's degree in Business, Finance, Accounting, Marketing or a related field preferred.
- 1+ years of experience in customer service, retail banking, sales, cash handling, or financial services.
- Previous banking, teller, or customer-facing financial services experience.
- Proven ability to build customer relationships and deliver exceptional customer service.
- Experience handling cash transactions accurately and maintaining balancing standards.
- Knowledge of basic banking products and services; including checking, savings, debit cards, and digital banking solutions.
- Basic understanding of banking regulations, security procedures, and compliance requirements.
- Ability to identify customer needs and confidently recommend appropriate banking products and services.
- Strong sales, referral, and relationship-building skills.
- Strong attention to detail and commitment to accuracy.
- Excellent verbal, written, and interpersonal communication skills.
- Strong organizational and time-management skills with the ability to manage multiple priorities.
- Experience with core banking systems, document imaging platforms, exception processing tools, and Microsoft Office applications.
- Proficiency with Excel, Word, Outlook, and ability to learn banking systems and technology platforms.
- Demonstrated professionalism, reliability, integrity, and commitment to customer service.
- Ability to work independently while collaborating effectively with branch personnel, operations teams, and business partners to achieve branch goals and objectives.
- Regular use of a computer, telephone, and standard office equipment.
- Focus-intensive work requiring extended periods of sitting, standing, customer interaction, data review, and digital navigation.
- Ability to communicate in person, by telephone, and through electronic channels.
- Occasional walking, standing, reaching, lifting of routine office materials, and movement between work locations.
- Ability to travel between SSB&T locations and to approved business or community events as needs require.
- Reasonable accommodations may be made to enable qualified individuals to perform the essential functions.
SSB&T is committed to competitive compensation. Pay is determined based on relevant experience, the role’s market value, internal alignment, and geographic location.
AcknowledgmentThis job description describes the principal functions of the position and is not intended to be an exhaustive list of all duties. SSB&T may modify, reassign, or supplement duties and responsibilities based on business needs. Employment remains subject to applicable SSB&T policies and procedures.
Security State Bank & Trust is an Equal Opportunity Employer.
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