Senior Universal Bank

Belleville, NJ

Provident Bank, a multi billion dollar bank with branches in New Jersey and Eastern Pennsylvania, is seeking an experienced Senior Universal Banker for its branch in Belleville, New Jersey.  Qualified candidate must possess excellent customer service and sales skills.  Prior platform experience preferred.

Starting salary for this position will range from $33,300 to approximately 45,800 based on qualifcations and experience.


The Senior Universal Banker plays a key role in the Branch sales and service environment through building mutually beneficial and long-term customer relationships by providing a positive customer experience.  The incumbent should have a thorough understanding of our core culture of the "attraction, expansion, and retention" of client relationships. 

This individual will provide high-level service to clients while greeting customers, performing customer needs assessment (profiling), opening accounts, cross selling, tele-consulting, developing relationships, and servicing accounts and acting as lobby manager. Researches and resolves account issues or customer inquiries. Promotes organizational products and services by referring current or prospective customers to other departments within the organization.  Responsibilities include processing teller transactions, including check cashing, withdrawals, deposits, and loan payments. 

This position will focus on managing a book-of-business that is comprised of high value customers with the management objectives being retention and relationship development.  Serves as a relationship manager to actively refer and coordinate specialist support from lending, investment, and trust specialists.  This individual should require minimal supervision and provide flexibility of coverage for the Branch by providing platform sales and service.

This position may be eligible to obtain Life and Health Licensing.



The Senior Universal Banker’s duties and responsibilities listed below are categorized into general 3 areas - Sales, Service and Operations. 


  • Meet customer sales referrals and cross-selling goals; knows the features and benefits of all products and services to satisfy the needs of the customers
  • Promotes bank products, refer or resolve customer inquiries concerning accounts or other banking services
  • Actively refers clients for commercial business to branch manager
  • Exceed client expectations through active engagement, commitment and dedication to servicing and building customer relationships
  • Advance the Bank's Corporate Sales Program through the consultative profiling of clients to develop new relationships and build upon existing ones and is responsible for managing and growing a book-of-business.


  • Direct clients and identify opportunities through lobby management.  Assist clients with branch technology and provide referrals to other lines of business
  • Helps maintain cost efficiency to achieve goals of the branch; assures quality of customer service and adherence to sales and brand standards
  • Supplements general platform sales and service responsibilities as required
  • Exhibit and execute on customer service protocols



  • Limit, approval, and discretionary authorities consistent with that of Branch Management
  • Ensures operational and financial safety and soundness
  • Leverages Lobby management as a tool for managing risk
  • Establishes customer identity according to established guidelines and adheres to all other compliance procedures
  • Assist Branch Management with Branch operations as needed
  • Opening, closing, and supervising the servicing of the branch in the absence of Branch Management
  • Assisting other Universal Bankers with more complex transactions including transactions that may require supervisor overrides
  • Performs teller duties including but not limited to:  check cashing, withdrawals, deposits and loan payments
  •  May perform other duties as requested.






  • Excellent interpersonal skills, including listening, written and verbal communication
  • Ability to work with a wide variety of personalities in a courteous and professional manner
  • Solid math and analytical skills
  • Ability to understand and follow safety and security practices
  • Strong relationship building skills
  • Proven ability to build relationships through consultative conversations and to identify customer needs and translate those needs to sales opportunities
  • Strong customer service/advocacy skills
  • Good organizational and time management skills
  • Good PC skills; and the ability to quickly learn other computer programs, including Microsoft office



       High school diploma or GED



       2 - 4 years in a retail sales/service experience

        Banking experience preferred



        Licenses and Certifications                                                              Expiration Date




Work is mainly performed under general office conditions in a retail-banking establishment.  Willing and able to work required overtime.  Willing and able to travel to other locations/branches.  Must be flexible and demonstrate the ability to adapt to new job locations and reassignments as directed.



Those present in a retail-banking establishment.  In the course of working with customers, the employee may encounter abusive, aggressive or unpredicted threatening behavior.  Must observe safety and security practices at the Branch.

This job description may not be all-inclusive.  Employees are expected to perform other duties as assigned and directed by management.  Job descriptions and duties may be modified when deemed appropriate by management.


We are an equal opportunity employer and all qualified applicants will receive consideration for employment without regard to race, color, religion, sex, national origin, disability status, protected veteran status, or any other characteristic protected by law.










More specific duties and Responsibilities – Bank Associate IV


  • Opens and/or closes Branch
  • Researches errors in deposits and withdrawals; consults with supervisor for more complex issues
  • Assists with daily Branch proofing tasks including ATM and Vault
  • May buy and sell cash from vault & TCR
  • Processes official checks
  • Participates in both internal and external sales activities including community and networking events
  • Supports and adheres to branch operation standards; accurately and efficiently completes all paperwork, disclosures and conditions
  • Ensures compliance with policies and procedures as required
  • Prepares and/or completes CTR/SAR form on appropriate transactions
  • Must be able to work a flexible hourly schedule as requested
  • May be asked to travel to other locations / branches
  • Must present a professional image
  • Provides access to safe deposit boxes
  • May be required to maintain Life Insurance Licensing
  • Accepts and processes loan applications
  • Assists in training other branch personnel
  • Is responsible for managing and growing a book-of-business
  • Actively refers clients for commercial business to branch manager
  • Supplements general platform sales and service responsibilities as required

The Bank Associate IV may also do one or more of the following:

  • Oversees vault proof
  • Performs Supervisory functions and approvals as required
  • Maintains inventory and orders supplies for the branch
  • Researches and reports on BA differences
  • Researches more complex errors in deposits and withdrawals.
  • Monthly operational audits

The BA IV position includes the ability to act in a supervisory capacity in the absence of Branch Management.  Responsibilities include but are not limited to:

  • Opening, closing, and supervising the servicing of the branch in the absence of Branch Management
  • Assisting other Bank Associates with more complex transactions including transactions that may require supervisor overrides
  • Limit, approval, and discretionary authorities consistent with that of Branch Management



About Provident Bank

For more than 175 years, Provident Bank has served individuals, families, and businesses in our local communities with personal and business banking services.

Volunteering is a Way of Life

Our brand promise - “Commitment you can count on” - supports the investments we make in the community and donations made by our employees. It’s a promise also reflected in the volunteerism of our employees, who lend time and talent and countless hours to assist hundreds of organizations and thousands of people and animals each year.

Why do we love it?

  1. We get to volunteer in areas that are meaningful to the bank and impactful in the community.
  2. Through generous contributions, we have raised over $28,000 in 2018. No item or donation is too small; we find a home for it all.

Nearest Major Market: Newark
Nearest Secondary Market: New York City