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What is a universal banker and how to become one
Universal bankers actively interact with customers daily. They open bank accounts, process transactions, and verify account holders' identities. They may also review documents and help resolve complaints. As a universal banker, you have career flexibility. You may offer private banking services or work as a loan clerk.
Universal bankers mostly work with commercial banks and, sometimes, investment organizations. Your specialization determines your specific duties. For example, a loan clerk may process application documents, assess borrowers' financial health, and offer advice. Private bankers, on the other hand, manage accounts, process transactions, and prepare financial reports.
To become a universal banker, you'll need skills like customer relations, management, and organization. You'll also need a degree in business or finance-related fields, as well as relevant job experience. Universal bankers working in investment firms require additional education and certifications.
Avg. Salary $35,922
Avg. Salary $59,228
Growth Rate -3%
Growth Rate 0.3%
American Indian and Alaska Native 0.86%
Asian 9.73%
Black or African American 9.03%
Hispanic or Latino 20.74%
Unknown 2.95%
White 56.70%
Genderfemale 64.94%
male 35.06%
Age - 39American Indian and Alaska Native 3.00%
Asian 7.00%
Black or African American 14.00%
Hispanic or Latino 19.00%
White 57.00%
Genderfemale 47.00%
male 53.00%
Age - 39Stress level is high
7.1 - high
Complexity Level is challenging
7 - challenging
Work Life balance is excellent
6.4 - fair
Universal Banker career paths
Key steps to become a universal banker
Explore universal banker education requirements
Start to develop specific universal banker skills
Skills 
Percentages Customer Relationships 10.95% Cash Handling 8.82% Financial Services 7.27% Branch Management 7.00% Customer Satisfaction 6.70% Complete relevant universal banker training and internships
Accountants spend an average of Less than 1 month on post-employment, on-the-job training. New universal bankers learn the skills and techniques required for their job and employer during this time. The chart below shows how long it takes to gain competency as a universal banker based on U.S. Bureau of Labor Statistics data and data from real universal banker resumes.Research universal banker duties and 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.
Prepare your universal banker resume
When your background is strong enough, you can start writing your universal banker resume.
You can use Zippia's AI resume builder to make the resume writing process easier while also making sure that you include key information that hiring managers expect to see on a universal banker resume. You'll find resume tips and examples of skills, responsibilities, and summaries, all provided by Zippi, your career sidekick.
Choose From 10+ Customizable Universal Banker Resume templates
Build a professional Universal Banker resume in minutes. Browse through our resume examples to identify the best way to word your resume. Then choose from 10+ resume templates to create your Universal Banker resume.
Apply for universal banker jobs
Now it's time to start searching for a universal banker job. Consider the tips below for a successful job search:
- Browse job boards for relevant postings
- Consult your professional network
- Reach out to companies you're interested in working for directly
- Watch out for job scams
How Did You Land Your First Universal Banker Job
Are you a Universal Banker?
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Average universal banker salary
The average Universal Banker salary in the United States is $35,922 per year or $17 per hour. Universal banker salaries range between $27,000 and $46,000 per year.
What Am I Worth?
How do universal bankers rate their job?
Universal Banker reviews
Constant stress and fear when dealing with big transactions. Customers always complaining and getting paid by the hour
Talking to other people and never being still. Always on the move handeling money and everyday is something new
Serving people to meet their financial needs and planning Fininancial analysis of their funds with best utility Feeling motivated while meeting people from different demographic backgrounds
Don't like people with bad credit history
I enjoy engaging with clients, finding solutions to their financial needs, as well as account opening/personal lending.
I am not a sales/production driven individual. That aspect of the job- needing to worry about how many accounts I open or getting a certain amount booked in loans does not appeal to me. I enjoy the work, I like being challenged and busy, but I hate being a set of production scores.
Updated January 8, 2025
