Universal Banker

First Bank Midwest•Troy, OH

25d

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 to deliver a seamless customer experience across service channels. The Universal Banker engages customers in financial conversations, identifies their needs, and recommends appropriate bank products and solutions. The role also involves accurate transaction processing and compliance with bank policies and regulatory requirements.

Responsibilities

Deliver service to consumer and commercial clients in person and by phone.
Build customer relationships by understanding financial needs and goals.
Conduct needs-based conversations and recommend tailored banking solutions.
Resolve customer issues 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 relationship expansion.
Identify referral opportunities for specialized services such as commercial lending, wealth, and mortgage.
Process deposits, withdrawals, payments, and other teller transactions accurately.
Balance the cash drawer and maintain accurate transaction records.
Support routine and complex transactions for consumer and business clients.
Maintain and service accounts, including 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.
Ensure proper identification, documentation, and 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 drop.
Contribute to a positive, customer-focused team environment.