Universal Banker II- Des Moines, IA - Ingersoll Location

Lincoln Savings Bank•Des Moines, IA

10d•Onsite

About The Position

The Universal Banker II serves as a trusted relationship partner, building connections with customers and supporting the financial well-being of individuals, families, farms, and small businesses. Through active listening and meaningful conversations, the banker identifies customer needs and recommends practical, goal-based banking solutions. The role combines personalized service with broad banking knowledge to support everyday transactions, account management, and digital banking education in a welcoming, relationship-focused branch environment. Working collaboratively with branch teammates and bank specialists, the Universal Banker provides comprehensive customer support while maintaining accuracy, operational integrity, and compliance. The role includes teller and vault balancing, processing transactions, opening consumer and commercial deposit accounts, taking and underwriting consumer loan applications, and coordinating with Central Loan Processing to decision and close loans. The banker identifies referral opportunities, follows up with clients, supports training, and promotes the use of Salesforce and LSB360. The position is based at the Ingersoll location in Des Moines, Iowa, with flexibility to travel between branches as needed and occasional company-related travel. A valid driver’s license is required. The Universal Banker represents Lincoln Savings Bank professionally and participates in civic, community, and networking events to strengthen relationships and the Bank’s community presence. Additional duties may be assigned by management.

Requirements

Experience in customer service.
1–2+ years of retail banking experience.
Prior cash-handling experience.
Ability to obtain Nationwide Multistate Licensing System (NMLS) licensing.
Proven track record of referring clients to all business lines while meeting or exceeding sales goals.
Ability to take initiative and use sound judgment in decision-making and higher-level problem-solving.
Highly effective and professional written and verbal communication skills.
Valid driver’s license.
Ability to occasionally lift and/or move items weighing over 10 pounds without reasonable accommodation.

Responsibilities

Greet customers and provide a welcoming, high-quality customer service experience.
Operate and balance a teller drawer daily and balance the vault, coin machine, and ATM.
Complete and accurately batch and scan teller work through the Branch Capture System.
Process customer transactions accurately and professionally while maintaining a high level of customer service.
Answer complex client inquiries about interest rates, service charges, account transactions, and account histories while complying with disclosure requirements, regulations, and consumer privacy policies.
Accurately open consumer and commercial deposit accounts.
Identify referral opportunities, refer clients to additional retail and bank services, and complete client follow-up.
Take consumer loan applications, underwrite consumer loans, and work with Central Loan Processing to decision and close them.
Serve as a resource for training.
Embrace and promote the use of Salesforce and LSB360.
Comply with internal controls, operational procedures, and risk management policies.
Adhere to the organization’s standards of professional appearance and behavior.
Represent Lincoln Savings Bank professionally and positively, including participating in civic, community, and networking events.
Travel between branches to assist as needed and undertake occasional company-related travel.
Perform additional duties and responsibilities as assigned by management.