Universal Banker I (Fredericksburg)

US-VA-Fredericksburg

Job ID: 2026-3005
Type: Regular Full-Time
# of Openings: 1
Category: Retail Banking
Fredericksburg Financial Center

Overview

C&F Bank is a growing financial services company focused on creating remarkable experiences for our employees, customers, and communities. We are proud to have enriched the lives of customers and communities in Virginia for 97 years. It is our employees who play an integral role in shaping who we are as a company and upholding what matters most to us: people and relationships.

We offer our teammates a highly competitive benefits package and the personal service, you would expect from a company that knows your community. Our employees enjoy paid time off, multiple retirement savings options, full health care options, in-house health services, volunteer opportunities, career development opportunities, student loan debt and tuition assistance. We are proud to offer those, and so much more, making C&F Bank a desirable place to work and build a career.

We are currently looking to add a valued member to our Universal Banker team within our retail space. As a Universal Banker I, your mission is to acquire, manage, and retain meaningful relationships with customers. You will have the opportunity to take ownership of your career development through a variety of training opportunities to deliver the C&F Customer Experience. By responding to expressed needs, including all branch transaction functions, you will take a lead role in transitioning branch visits into relationship building opportunities that grow earning assets. The Universal Banker (UB) is also responsible for proactively contacting current customers to schedule relationship reviews and deepen existing relationships. In addition to continuous relationship management of current customers, the UB is also accountable for acquiring new customer relationships, primarily by referrals from customers, prospecting, and lead sources. This position is also expected to attend occasional networking events and business development activities. Within approximately 12 months of your development, you will gain consumer lending training. Upon successful completion of consumer lending training, you will gain consumer lending accountability.

Responsibilities

Growth and Business Development (60%):

• Role models all aspects of C&F’s “Focused on You” brand.
• Makes personal connections, engages and educates customers, asks open-ended questions, and listens to establish trust and build lasting relationships.
• Learns products, services, and procedures to accurately deliver solutions and financial options for customers using a consultative approach.
• Reviews customer accounts to make appropriate decisions regarding the requested transaction.
• Ensure that individual and team goals are met through required in person and outbound activities that provide an opportunity for us to share valued solutions and recommendations via our C&F Relationship Review.
• Learns products, services, and procedures to accurately deliver solutions and financial options for customers using a consultative approach.
• Acquires new consumer customer relationships by leveraging internal and external lead sources.
• Attends networking/community events to build prospect list and acquire new customer relationships.
• Builds collaborative, results-oriented relationships with prioritized key internal partners: Business/Commercial Relationship Managers, Customer Service and other Operations staff, Credit Services, C&F Mortgage and C&F Wealth Management representatives, and Treasury Solutions.
• Influences, educates, and connects customers to technology.
• Drive the business development of the branch to deliver both strong team performance as well as strong individual performance through personal productivity, leveraging the C&F Customer Experience, to include C&F Active Site Leadership.
• Drive branch revenue through small business development and new customer acquisition strategies. Drive the growth of small business expertise through branch routines of face-to-face appointments with customers, outbound calling, and prospecting.
• Participation as reviewed and approved in the Market, in civic, government, professional, business, community affairs, associations and groups to prospect and develop new business through community involvement and brand awareness.

Manages Risk (20%):

• • Complies with all BSA/CIP requirements with all new account and existing customer interactions.
  • Submits all customer documentation accurately and in a timely manner.
  • Resolves all outstanding tracking items within specified guidelines.
  • Takes ownership of other operational risk management tasks as delegated
  • Adheres to the Bank’s information security policies and manages Bank information appropriately; protects customer information with high sense of accuracy and urgency.
  • Balances drawer at the end of the day.

Teamwork and Influence (20%):

• • Provides fill-in staffing to other market branches as needed.
  • Participates in, and occasionally leads, components of daily morning huddle/weekly team meetings.
  • Leads C&F Active Site Leadership when not with a customer.
  • Builds collaborative, results-oriented relationships with prioritized key internal partners: Branch and Market teammates, Customer Service, Electronic Solutions, Operations staff, C&F Mortgage and C&F Wealth Management representatives, and Commercial/Business Relationship Managers.

Qualifications

Education and Experience:

Required Qualifications:

1. High school diploma or GED
2. One year of teller or cash handling experience
3. One year of customer relationship building or sales experience

Preferred Qualifications:

1. One year or more of branch banking or lending experience
2. Experience with sourcing and prospecting for new clients and relationship building

Knowledge, Skills, and Abilities

Required Qualifications:

1. Excellent interpersonal and communication skills, including a desire to interact with customers and prospects.
2. Ability to deepen and enhance customer relationships.
3. Demonstrated proficiency in basic computer applications, such as Microsoft Office software products.
4. Ability to travel to other branches within a geographic region to accommodate temporary staffing needs as well as to fulfill training requirements.

Preferred Qualifications:

1. General knowledge of bank operations, policies, and procedures.
2. Ability to generate demand through prospecting and setting meetings.

Travel

Must be able to travel to all Bank locations, including subsidiaries. Must maintain reliable independent transportation for commuting and business-related travel. Ability to provide your own transportation is required for this role. This role requires temporary assignment to a designated training branch for approximately seven to twelve (7-12) consecutive weeks. Travel to and from the training branch is required.

Physical demands:

Employee may experience the following physical demands for extended periods of time: view computer monitors, keyboarding, sitting, motion of fingers/hands/wrists, and standing/walking.

Work Environment:

Work is performed in a retail branch environment (on-site).

Note:

This job description contains the essential functions, duties, and responsibilities of the position in accordance with the Americans with Disabilities Act (ADA). Reasonable accommodations may be made to enable individuals with disabilities to perform the essential functions. C&F Bank reserves the right to make future revisions to this job description and the inherent responsibilities of the position based on the needs of the organization.

Equal Employment Opportunity Statement -- C&F is committed to providing equal employment opportunity to all qualified persons and reaffirms in policy and practice that it shall not discriminate against applicants or employees because of race, color, religion, gender, age (over 40), disability, genetic information, veteran status (disabled veterans, recently separated veterans, active duty wartime or campaign badge veterans, Armed Forces service medal veterans, and Vietnam era veterans), national origin, or any other consideration protected by applicable federal, state, or local law. This applies to all areas of employment, including promotion, transfer, layoff, termination, compensation, benefits, recruitment advertising, recruitment, and selection for training.

If hired in Virginia, the base pay for this position at C&F Financial Corporation is generally between $33,000.00 and $45,000.00 annually. Actual base pay is determined on an individualized basis, taking into account relevant experience, job-related skills, education, geographic location, and other non-discriminatory factors permitted by law.