Universal Banker

Universal Banker

A Universal Banker plays a key role in delivering exceptional customer service by performing both teller and personal banker duties. This position is responsible for acquiring, managing, and retaining meaningful relationships through a sales and service approach, while supporting the branch manager/loan officer with loan processing. The ideal candidate will possess strong communication skills, a customer-focused mindset, and the ability to handle various banking transactions efficiently.

Why Join First Federal?

First Federal has been recognized nationally as Best Community Bank to Work For in 2021 by the ICBA and #1 “Best Bank to Work For” in 2013 by American Banker, along with being named "Best Place to Work in Mississippi" by Mississippi Business Journal. First Federal is a leader in mortgage lending for the gulf coast, providing unmatched service on mortgage loans and deposit accounts since 1955. Our deposit accounts and services are convenient and sophisticated, helping our customers make the most of their money. This banking position earns a competitive wage depending on education and experience. We provide excellent Health Benefits, including Medical, Dental, Vision, and Life for full-time employees, along with generous Personal Paid Time Off, Paid Holidays and a 401(k) after 90 days.

Essential Job Functions

Customer Service & Relationship Building

• Serve as the first point of contact for customers providing friendly, professional, and personalized service.
• Assist customers in person and by phone with account inquiries, including loans and general banking needs.
• Develop and maintain strong customer relationships to enhance loyalty and satisfaction.
• Educate customers on the benefits of bank products and services to meet their financial needs.
• Participate in promotional activities to grow the branch’s customer base.

Banking Transactions

• Process routine banking transactions such as deposits, withdrawals, cash checking, and loan payments.
• Open and manage deposit accounts, including checking, savings, CDs, and consumer loan accounts.

Loan Support & Processing

• Assist loan officers with collecting and reviewing loan applications and supporting documents.
• Communicate with clients to gather necessary financial information and answer inquiries.
• Order and review credit reports, appraisals, and title work.
• Ensure all loan documentation is complete, accurate, and compliant with regulations.
• Input loan details into the loan origination system and track application progress.
• Coordinate with underwriters to facilitate loan approval.
• Follow up on outstanding documents with customers and third parties.
• Maintain detailed records of customer interactions and loan statuses.
• Assist in reviewing loan disclosures and closing documents.
• Assist the loan officer in tracking and processing residential construction loan draws for customers.
• Support loan funding, escrow account monitoring, and document processing.
• Order appraisals and title work as needed.

Compliance & Risk Management

• Adhere to all bank policies, procedures, and regulatory requirements.
• Ensure accuracy and compliance in loan documentation and regulatory reporting.
• Work closely with internal teams and vendors to maintain efficient loan operations.
• Safeguard customer information and prevent fraudulent activities.
• Maintain and balance cash drawers and financial records accurately.

Preferred Qualifications

• High school diploma or equivalent required; associate or bachelor’s degree in finance, business, or a related field preferred.
• 1-3 years of experience in retail banking, customer service, or sales preferred.

Knowledge, Skills & Abilities

• Strong interpersonal and communication skills with the ability to build trust and rapport with customers.
• Proficiency in computer systems and banking software.
• High attention to detail and accuracy in financial transactions.
• Problem-solving skills and ability to handle challenging situations effectively.

Equal Opportunity Employer: All qualified applicants will receive consideration for employment without regard to race, color, religion, sex, sexual orientation, gender identity, national origin, disability, protected veteran status, or other characteristics protected under applicable law.