Relationship Banking Specialist (Universal Banker)

Lincoln Savings Bank; Tama (IA); On-site; USD 38,000 - 54,000; Full time

Job summary

Lincoln Savings Bank is seeking a Universal Banker to serve as a trusted relationship partner, supporting the financial well-being of individuals, families, farms, and small businesses. You will listen actively, discuss needs, and offer goal-based banking solutions while collaborating with branch teams and specialists.

You will greet customers, balance teller operations, process transactions, and refer clients to additional services.

Qualifications

• Requires a high school diploma or equivalent.
• Experience in customer service is expected.
• Prior cash handling experience is required.
• Ability to obtain Nationwide Multistate Licensing System (NMLS).
• Excellent customer service skills and strong attention to detail.

Responsibilities

• Build relationships with customers and assess their financial needs.
• Collaborate with branch teammates and bank specialists for customer support.
• Travel between branches to assist as needed.
• Greet customers and provide a welcoming service experience.
• Operate and balance a teller drawer daily and balance vault/ATM.
• Process teller transactions accurately and professionally.
• Refer clients to other bank services and follow up.
• Promote Salesforce and LSB360 usage.
• Support training and ensure compliance with procedures.

Skills

Customer service

Cash handling

NMLS

Organizational skills

Attention to detail

Communication skills

Sales referrals

Initiative

Problem solving

Training ability

Education

High school diploma or equivalent

Tools

Salesforce

LSB360

Job description

Job Duties and Responsibilities:

The Universal Banker serves as a trusted relationship partner, building strong connections with customers while supporting the financial well‑being of individuals, families, farms, and small businesses. Through active listening and meaningful conversations, the Universal Banker understands each customer’s needs and recommends practical, goal‑based banking solutions.

Job Duties and Responsibilities:

The Universal Banker serves as a trusted relationship partner, building strong connections with customers while supporting the financial well‑being of individuals, families, farms, and small businesses. Through active listening and meaningful conversations, the Universal Banker understands each customer’s needs and recommends practical, goal‑based banking solutions.

This role combines personalized service with broad banking knowledge, enabling support for everyday transactions, account management, and digital banking education within a welcoming, relationship‑focused branch environment.

Works collaboratively with branch teammates and bank specialists, the Universal Banker ensures well‑rounded customer support while maintaining high standards of accuracy, operational integrity, and compliance.

Consistently delivers thoughtful follow‑up and high‑quality service, the Universal Banker strengthens customer loyalty, supports local economic growth, and reinforces the bank’s reputation as a trusted community partner.

The Universal Banker will travel between branches to assist as needed.

Greets customers and provides a welcoming top-notch customer service experience.

Accurately operates and balances a teller drawer daily, balances the vault, coin machine, and ATM.

Responsible for the completion and accuracy of batching and scanning of teller work through the Branch Capture System.

Process customer transactions with accuracy and professionalism while maintaining a high level of customer service.

Answers complex client inquiries regarding interest rates, service charges, and account transactions while complying with disclosure requirements, regulations, and consumer privacy policies.

Accurately opens all consumer and commercial deposit accounts.

Responds to client inquiries regarding interest rates, service charges and account histories while complying with disclosure requirements, regulations and consumer privacy policies.

Identifies referral opportunities, refers clients and completes client follow up for additional retail and bank services.

Embraces and promotes the use of Salesforce and LSB360. Embraces and promotes the use of Salesforce and LSB360.

Cross sell to referral partners when appropriate; completes client follow ups as needed.

Answers and provides consultative call experience by asking clarifying questions, identifying caller needs and facilitating accurate and efficient call routing when necessary.

Serves as a resource for training.

Complies with internal controls, operational procedures and risk management policies.

Travel is expected; a valid driver’s license is required.

Necessary Skills and Attributes:

High school diploma or equivalent required

Experience in Customer Service

Prior cash handling experience

Ability to obtain Nationwide Multistate Licensing System (NMLS)

Excellent customer service skills

Strong organizational skills

Detail oriented

High degree of accuracy

Occasionally lift and/or move items over 10 pounds without reasonable accommodation

Proven track record of referring clients to all business lines while meeting or exceeding sales goals

Ability to take initiative and utilize sound judgement in decision-making and higher-level problem-solving

Highly effective and professional written and verbal communication skills

Equal Opportunity Employer, including Veterans and Individuals with Disabilities.