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Become An Universal Banker

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Working As An Universal Banker

  • Interacting With Computers
  • Getting Information
  • Evaluating Information to Determine Compliance with Standards
  • Performing for or Working Directly with the Public
  • Identifying Objects, Actions, and Events
  • Deal with People

  • Unpleasant/Angry People

  • Repetitive

  • $108,207

    Average Salary

What Does An Universal Banker Do

Tellers are responsible for accurately processing routine transactions at a bank. These transactions include cashing checks, depositing money, and collecting loan payments.

Duties

Tellers typically do the following:

  • Count the cash in their drawer at the start of their shift
  • Accept checks, cash, and other forms of payment from customers
  • Answer questions from customers about their accounts
  • Prepare specialized types of funds, such as traveler’s checks, savings bonds, and money orders
  • Exchange dollars for foreign currency
  • Order bank cards and checks for customers
  • Record all transactions electronically throughout their shift
  • Count the cash in their drawer at the end of their shift and make sure the amounts balance

Tellers are responsible for the safe and accurate handling of the money they process. When cashing a check, they must verify the customer’s identity and make sure that the account has enough money to cover the transaction. When counting cash, tellers must be careful not to make errors. If a customer is interested in financial products or services, such as certificates of deposits (CDs) and loans, tellers explain the products and services offered by the bank and refer the customer to the appropriate personnel.

In most banks, tellers record account changes using computers that give them easy access to the customer’s financial information. Tellers also can use this information when recommending a new product or service.

Head tellers manage teller operations. Besides doing the same tasks as those done by other tellers, they perform some managerial duties, such as setting work schedules or helping less experienced tellers. Because of their experience, head tellers may deal with difficult customer problems, such as errors in customer accounts. Head tellers also go to the vault (where larger amounts of money are kept) and ensure that other tellers have enough cash to cover their shift.

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How To Become An Universal Banker

Most tellers have a high school diploma and receive about 1 month of on-the-job training. Some banks do background checks before hiring a new teller.

Education

Tellers usually need a high school diploma or equivalent. Some tellers may take some college courses, but a degree is rarely required for a job applicant to be hired. 

Training

New tellers usually receive brief on-the-job training, typically lasting about 1 month. Normally, a head teller or another experienced teller trains them. During this training, tellers learn how to balance cash drawers and verify signatures. They also learn the computer software that their bank uses and the financial products and services the bank offers.

Advancement

Experienced tellers can advance within their bank. They can become head tellers or move to other supervisory positions. Some tellers can advance to other occupations, such as loan officer. They can also move to sales positions.

Important Qualities

Customer-service skills. Tellers spend their day interacting with bank customers. They must be friendly, helpful, and patient. They must be able to understand customer needs and explain service options to their customers.

Detail oriented. Tellers must be sure not to make errors when dealing with customers’ money. 

Math skills. Because they count and handle large amounts of money, tellers must be good at arithmetic.

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Universal Banker jobs

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Universal Banker Career Paths

Universal Banker
Branch Manager Account Executive Territory Manager
Account Manager
5 Yearsyrs
Relationship Banker Branch Manager General Manager
Area Manager
7 Yearsyrs
Branch Supervisor Office Manager Controller
Assistant General Manager
5 Yearsyrs
Account Manager Sales Consultant Personal Banker
Banking Center Manager
5 Yearsyrs
Relationship Banker Assistant Branch Manager
Branch Manager
6 Yearsyrs
Account Executive Personal Banker Loan Officer
Branch Manager/Loan Officer
5 Yearsyrs
Branch Supervisor Assistant Branch Manager
Branch Operations Manager
6 Yearsyrs
Service Manager Operations Manager General Manager
Business Manager
7 Yearsyrs
Account Manager Sales Manager General Manager
Center Manager
6 Yearsyrs
Branch Manager General Manager
District Manager
7 Yearsyrs
Account Executive Sales Manager Branch Manager
Finance Center Manager
6 Yearsyrs
Assistant Branch Manager Branch Manager
General Manager
7 Yearsyrs
Loan Officer Assistant Vice President
Manager, Assistant Vice President
7 Yearsyrs
Loan Officer Office Manager General Manager
Owner/Operator
6 Yearsyrs
General Manager Account Manager Account Executive
Relationship Manager
6 Yearsyrs
Service Manager General Manager Account Manager
Senior Account Manager
7 Yearsyrs
Loan Specialist Service Specialist Customer Care Representative
Senior Representative
5 Yearsyrs
General Manager Account Executive Sales Manager
Service Manager
7 Yearsyrs
Loan Specialist Specialist Operation Supervisor
Team Manager
5 Yearsyrs
Assistant Branch Manager Assistant Vice President
Vice President And Manager
10 Yearsyrs
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Universal Banker Demographics

Gender

Female

65.2%

Male

33.5%

Unknown

1.4%
Ethnicity

White

77.3%

Hispanic or Latino

13.1%

Asian

7.0%

Unknown

2.1%

Black or African American

0.5%
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Languages Spoken

Spanish

56.3%

French

6.3%

Arabic

5.6%

Russian

4.8%

Hindi

4.0%

Portuguese

4.0%

Vietnamese

2.4%

German

2.4%

Polish

2.4%

Ukrainian

1.6%

Italian

1.6%

Chinese

1.6%

Urdu

1.6%

Swedish

0.8%

Romanian

0.8%

Gujarati

0.8%

Armenian

0.8%

Thai

0.8%

Haida

0.8%

Greek

0.8%
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Universal Banker Education

Schools

University of Phoenix

21.7%

Portland State University

5.9%

Western Kentucky University

5.9%

University of Wisconsin - Milwaukee

5.4%

Southern New Hampshire University

5.4%

Southern Illinois University Edwardsville

5.0%

University of Central Oklahoma

4.5%

Southeast Missouri State University

4.1%

Community College of Rhode Island

4.1%

University of Wisconsin - Whitewater

3.6%

Western Washington University

3.6%

University of Northern Iowa

3.6%

Madison Area Technical College

3.6%

American InterContinental University

3.6%

Youngstown State University

3.6%

Lindenwood University

3.6%

Ashford University

3.2%

Webster University

3.2%

Southeastern Louisiana University

3.2%

University of Iowa

3.2%
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Majors

Business

36.9%

Finance

8.5%

Accounting

8.0%

Marketing

4.8%

Psychology

4.7%

Communication

4.6%

Criminal Justice

4.6%

General Studies

4.0%

Management

3.3%

Nursing

2.6%

Human Resources Management

2.6%

Political Science

2.3%

Economics

1.9%

English

1.8%

Kinesiology

1.7%

Liberal Arts

1.7%

Public Relations

1.7%

Education

1.5%

Health Care Administration

1.4%

Social Work

1.3%
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Degrees

Bachelors

45.3%

Other

26.7%

Associate

13.2%

Masters

8.8%

Certificate

3.4%

Diploma

1.5%

Doctorate

0.5%

License

0.5%
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Top Skills for An Universal Banker

FinancialNeedsLoanApplicationsATMSalesGoalsCustomerRelationshipsBusinessAccountsLoanPaymentsSells/Cross-SellsBankProductsAutoLoansSavingsAccountsAccountMaintenanceCustomerServiceIssuesCustomerTransactionsCustomerSatisfactionAccountOpeningSmallBusinessCustomerInquiriesNotaryUSBankWireTransfers

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Top Universal Banker Skills

  1. Financial Needs
  2. Loan Applications
  3. ATM
You can check out examples of real life uses of top skills on resumes here:
  • Ensured that most of our clients returned to our institution for all of their financial needs.
  • Assisted customers with new accounts, loan applications, and performed teller communications.
  • Maintain the ATM replenishment and deposits on a daily and weekly basis.
  • Exceeded quarterly sales goals by 105% Created member account profiles on First Convenience Bank online banking program.
  • Generate and maintain profitable customer relationships while satisfying and exceeding customer financial needs and expectations, thereby defining great customer experience.

Top Universal Banker Employers

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