How to hire a universal banker

How to hire a universal banker, step by step

Here's a step-by-step universal banker hiring guide:

• Step 1: Identify your hiring needs
• Step 2: Create an ideal candidate profile
• Step 3: Make a budget
• Step 4: Write a universal banker job description
• Step 5: Post your job
• Step 6: Interview candidates
• Step 7: Send a job offer and onboard your new universal banker
• Step 8: Go through the hiring process checklist

What does a universal banker do?

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1. Identify your hiring needs

   Before you start hiring a universal banker, identify what type of worker you actually need. Certain positions might call for a full-time employee, while others can be done by a part-time worker or contractor.

   Determine employee vs contractor status

   Is the person you're thinking of hiring a US citizen or green card holder?

   Yes

   No

   Hiring the perfect universal banker also involves considering the ideal background you'd like them to have. Depending on what industry or field they have experience in, they'll bring different skills to the job. It's also important to consider what levels of seniority and education the job requires and what kind of salary such a candidate would likely demand.

   This list presents universal banker salaries for various positions.

   Type of Universal Banker	Description	Hourly rate
   Universal Banker	Financial clerks do administrative work for many types of organizations. They keep records, help customers, and carry out financial transactions.	$12-22
   New Accounts Representative	New accounts representatives are banking professionals who are responsible for the explanation of the available accounts. The accounts representatives explain different options for new accounts and interconnected services... Show more	$13-22
   Banking Services Clerk	A banking services clerk is responsible for handling client requests and transactions, ensuring efficiency and client satisfaction. They may processes withdrawals and deposits, close and open accounts, and offer products and services to clients as necessary... Show more	$12-17

   Show more

2. Create an ideal candidate profile

   Common skills:

   • Customer Relationships
   • Cash Handling
   • Financial Services
   • Branch Management
   • Customer Satisfaction
   • Account Opening
   • Strong Customer Service
   • Customer Transactions
   • NMLS
   • Problem Resolution
   • Cross-Selling
   • Product Knowledge
   • Mobile Banking
   • Math

   Check all skills

   Responsibilities:

   • Manage ATM processes including proofing, replenishment and customer investigations.
   • Process transactions such as deposits, retirement savings plan contributions, automate teller transactions, ATM deposits, and mail deposits.
   • Open deposit accounts, loan applications, respond to customer inquiries and refer cross-selling opportunities.
   • Stay up to date on NMLS certification.
   • Certify NMLS member, notary, banker and teller.
   • Offer covert operations for wire transfers, bill payment, online technical support, troubleshoot website issues and diagnostics.

   More universal banker duties

3. Make a budget

   Including a salary range in your universal banker job description is one of the best ways to attract top talent. A universal banker can vary based on:

   • Location. For example, universal bankers' average salary in nebraska is 36% less than in hawaii.
   • Seniority. Entry-level universal bankers 41% less than senior-level universal bankers.
   • Certifications. A universal banker with certifications usually earns a higher salary.
   • Company. Working for an established firm or a new start-up company can make a big difference in a universal banker's salary.

   Average universal banker salary

   $35,922yearly

   $17.27 hourly rate

   ---

   Entry-level universal banker salary

   $27,000 yearly salary

   Updated January 19, 2026

   Average universal banker salary by state

   Rank	State	Avg. salary	Hourly rate
   1	Hawaii	$47,363	$23
   2	Connecticut	$43,291	$21
   3	Massachusetts	$43,077	$21
   4	Vermont	$41,285	$20
   5	Maryland	$40,723	$20
   6	District of Columbia	$40,255	$19
   7	California	$40,075	$19
   8	New York	$39,334	$19
   9	Ohio	$39,095	$19
   10	Louisiana	$38,515	$19
   11	Pennsylvania	$38,384	$18
   12	Washington	$36,734	$18
   13	New Jersey	$36,600	$18
   14	Virginia	$36,598	$18
   15	Minnesota	$35,956	$17
   16	North Carolina	$35,676	$17
   17	Oregon	$35,607	$17
   18	Florida	$35,559	$17
   19	Wisconsin	$35,080	$17
   20	Texas	$35,013	$17

   Average universal banker salary by company

   Company

   Rank	Company	Average salary	Hourly rate	Job openings
   1	Affinity Credit Union	$40,217	$19.34	3
   2	Westerra Credit Union	$40,184	$19.32	7
   3	Tech Credit Union	$39,836	$19.15	2
   4	1st United Credit Union	$38,810	$18.66
   5	Northeast Credit Union	$38,240	$18.38
   6	Insperity	$38,132	$18.33
   7	Salal Credit Union	$37,852	$18.20
   8	American Bancorp	$37,802	$18.17	2
   9	Busey	$37,313	$17.94	27
   10	United Heritage Credit Union	$37,285	$17.93
   11	Atlantic Capital Bank	$36,735	$17.66	88
   12	BankUnited	$36,690	$17.64	9
   13	Addison Group	$36,525	$17.56	2
   14	Washington Trust Bank	$36,512	$17.55	11
   15	Christian Care Communities and Services	$36,339	$17.47
   16	BayCoast Bank	$36,227	$17.42	1
   17	Citizens Alliance	$36,188	$17.40	136
   18	First National of Nebraska	$36,181	$17.39
   19	J.P. Morgan	$36,161	$17.39
   20	Grandbridge Real Estate Capital	$36,122	$17.37	429

4. Writing a universal banker job description

   A good universal banker job description should include a few things:

   • Summary of the role
   • List of responsibilities
   • Required skills and experience

   Including a salary range and the first name of the hiring manager is also appreciated by candidates. Here's an example of a universal banker job description:

   Universal banker job description example

   A Universal Banker performs a variety of duties to provide existing and potential customers with efficient
   and accurate services. An employee in this position may be required to perform Customer Service
   Representative, Teller, and Loan Associate duties. More than one duty is required to be classified as a
   Universal Banker. Essential Duties and Responsibilities: Must have and retain extensive knowledge of bank products and services in order to serve the
   customer effectively. Perform basic teller, vault, collection, new accounts, and back up loan related duties. Maintain a high level of company and customer confidentiality. Other Duties and Responsibilities: The Universal Banker is to rotate various job duties at least bi-monthly for a week. Pays and receives and maintains a teller drawer. Maintains records for vault. Inputs currency orders and shipments. Completes laser pro worksheets as requested by loan officers. Assists in safe deposit box customer entry. Adherence to and support of all compliance and BSA/AML rules and regulations related to
   this job function. Performs other duties that may be assigned by Management. Note: Universal Banker I spends less than 50% of time working the teller line.
   Universal Banker II spends greater than 50% of the time working the platform. Education and Experience: High school diploma or general education degree (GED) One year of teller experience in a financial institution with additional training in a business-related area. Preferred Skills: Business degree from a technical school and/or college preferred. General knowledge in Microsoft programs Excel, Word and Outlook. Proficient at operating a computer, typing/word processing, ten key number pad, printer, fax
   machine, and copier. May require successful registration with, and issuance of a unique identification number from, the
   Nationwide Mortgage Licensing System (NMLS) in compliance with the Secure and Fair
   Enforcement for Mortgage Licensing Act of 2008 (S.A.F.E. Act). The interpersonal skills necessary to relate to and empathize with other people and to maintain a friendly, cheerful, and courteous demeanor through the day. Must possess superior organizational skills, communication skills and capable of making good
   judgments. Must have a professional appearance and manner at all times. Ability to travel to various JD Bank locations is expected. Must be available by phone or email for last minute schedule changes. Scheduling: Work schedule will vary depending upon location, but will consist of an 8-hour shift between the hours of
   7:45 a.m. – 6:30 p.m., Monday through Friday. Rotation of Saturday banking hours may be included.
   Schedule may require representing the company after hours at related functions, customer calls or
   training. Occasional overtime may be required. Regular attendance is required. Universal Banker will be required to travel. Physical Demands: The physical demands described here are representative of those that must be met by an employee to successfully perform the essential functions of this job. Reasonable accommodations may be made to enable individuals with disabilities to perform the essential functions. While performing the duties of this job, the employee is regularly required to stand; walk; sit; use of hands and fingers to feel or handle equipment and files; reach with hands and arms; and talk and hear. The employee is occasionally required to climb or balance and stoop, kneel, or crouch. The employee must occasionally lift and/or move up to 50 pounds. Specific vision abilities required by this job include close vision, distance vision, color vision, depth perception, and ability to adjust focus.

   Copy this example

   

5. Post your job

   There are a few common ways to find universal bankers for your business:

   • Promoting internally or recruiting from your existing workforce.
   • Ask for referrals from friends, family members, and current employees.
   • Attend job fairs at local colleges to meet candidates with the right educational background.
   • Use social media platforms like LinkedIn, Facebook, and Twitter to recruit passive job-seekers.

   Post your job online:

   • Post your universal banker job on Zippia to find and recruit universal banker candidates who meet your exact specifications.
   • Use field-specific websites.
   • Post a job on free websites.

6. Interview candidates

   Recruiting universal bankers requires you to bring your A-game to the interview process. The first interview should introduce the company and the role to the candidate as much as they present their background experience and reasons for applying for the job. During later interviews, you can go into more detail about the technical details of the job and ask behavioral questions to gauge how they'd fit into your current company culture.

   Remember to include a few questions that allow candidates to expand on their strengths in their own words. Asking about their unique skills might reveal things you'd miss otherwise. At this point, good candidates can move on to the technical interview.

   The right interview questions can help you assess a candidate's hard skills, behavioral intelligence, and soft skills.

7. Send a job offer and onboard your new universal banker

   Once you have selected a candidate for the universal banker position, it is time to create an offer letter. In addition to salary, the offer letter should include details about benefits and perks that are available to the employee. Ensuring your offer is competitive is vital, as qualified candidates may be considering other job opportunities. The candidate may wish to negotiate the terms of the offer, and it is important to be open to discussion and reach a mutually beneficial agreement. After the offer has been accepted, it is a good idea to formalize the agreement with a contract.

   It's also good etiquette to follow up with applicants who don't get the job by sending them an email letting them know that the position has been filled.

   To prepare for the new employee's start date, you can create an onboarding schedule and complete any necessary paperwork, such as employee action forms and onboarding documents like I-9 forms, benefits enrollment, and federal and state tax forms. Human Resources should also ensure that a new employee file is created.

8. Go through the hiring process checklist

   • Determine employee type (full-time, part-time, contractor, etc.)
   • Submit a job requisition form to the HR department
   • Define job responsibilities and requirements
   • Establish budget and timeline
   • Determine hiring decision makers for the role
   • Write job description
   • Post job on job boards, company website, etc.
   • Promote the job internally
   • Process applications through applicant tracking system
   • Review resumes and cover letters
   • Shortlist candidates for screening
   • Hold phone/virtual interview screening with first round of candidates
   • Conduct in-person interviews with top candidates from first round
   • Score candidates based on weighted criteria (e.g., experience, education, background, cultural fit, skill set, etc.)
   • Conduct background checks on top candidates
   • Check references of top candidates
   • Consult with HR and hiring decision makers on job offer specifics
   • Extend offer to top candidate(s)
   • Receive formal job offer acceptance and signed employment contract
   • Inform other candidates that the position has been filled
   • Set and communicate onboarding schedule to new hire(s)
   • Complete new hire paperwork (i9, benefits enrollment, tax forms, etc.)

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