Universal Banker

First Bank Midwest•Richmond, IN

10d

About The Position

The Universal Banker is a frontline role providing comprehensive banking services to consumer and commercial customers. The position combines teller transactions with relationship-based sales and service, aiming to deliver a seamless customer experience across service channels. The Universal Banker engages customers in financial conversations, identifies their needs, and recommends suitable bank products and solutions. The role also requires accurate transaction processing and compliance with bank policies and regulatory requirements.

Responsibilities

Deliver exceptional service to consumer and commercial customers in person and by phone.
Build customer relationships by understanding their financial needs and goals.
Conduct needs-based conversations and recommend tailored banking solutions.
Resolve customer issues promptly and escalate complex concerns when appropriate.
Recommend and open consumer and business accounts, including checking, savings, lending, and treasury services.
Cross-sell products and services aligned with customer needs.
Support new-customer onboarding, follow up, and expand relationships.
Identify referral opportunities for specialized services such as commercial lending, wealth, and mortgage services.
Accurately process deposits, withdrawals, payments, and other teller transactions.
Balance the cash drawer and maintain accurate transaction records.
Support routine and complex transactions for consumer and business customers.
Maintain and service account relationships, including account updates, closures, and documentation.
Assist customers with digital banking tools and services.
Answer questions about accounts, fees, fraud prevention, and banking products.
Follow bank policies, procedures, and regulatory requirements.
Verify identification and documentation and follow fraud-prevention practices.
Protect customer information and maintain confidentiality.
Collaborate with team members to achieve financial center goals.
Support branch operations, including opening and closing duties and dual-control procedures such as night drops.
Contribute to a positive, customer-focused team environment.