Universal Banker
Job Description
Universal Banker - Midland States Bank Midland States Bank seeks a Universal Banker to deliver exceptional customer service across our Banking, Insurance & Investment products. You will open and service accounts, process transactions, support digital banking, and recommend appropriate financial solutions. Using state-of-the-art technology, you'll help clients navigate everyday banking needs, resolve issues, and improve their financial well-being. Collaborating with a team that values integrity and customer focus, you'll cross-sell services, maintain compliance with banking regulations, and contribute to a positive branch environment.
Responsibilities
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Provide in-branch and digital banking support to consumer and small business clients
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Open, maintain, and close checking, savings, CD, and other deposit accounts
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Process teller transactions including deposits, withdrawals, payments, and transfers
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Educate customers on online, mobile, and ATM banking tools and troubleshoot basic issues
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Assess customer needs and recommend appropriate banking, insurance, and investment products
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Meet or exceed sales, referral, and customer satisfaction goals
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Ensure compliance with bank policies, KYC/AML, and all relevant regulations
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Accurately balance cash drawer and reconcile discrepancies
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Support branch operations including documentation, recordkeeping, and reporting
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Collaborate with team members to deliver a consistent, high-quality customer experience Required Skills
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Retail banking operations
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Cash handling and balancing
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Customer relationship management (CRM) software
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Sales and cross-selling techniques
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Knowledge of banking, insurance, and basic investment products
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Regulatory compliance (KYC/AML/Bank Secrecy Act)
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Digital and mobile banking platforms
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Account opening and documentation
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Problem resolution and de-escalation
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Data entry and basic MS Office skills
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