Universal Banker: Grow Relationships with Digital Tools

Kids for the Future; Cape Coral (FL); On-site; USD 25,000 - 30,000; Full time

Benefits offered by this job

Great Place to Work

30+ days off per year

Job summary

IncredibleBank in Cape Coral, FL is seeking a Universal Banker to deliver expert service, open and maintain accounts, and guide clients through digital banking tools. The role emphasizes cross-selling, risk awareness, and building long-term relationships, with on-site duties and a schedule following standard banking hours.

Eligible candidates have 2–4 years of client-centric banking experience, a relevant degree, and strong communication skills; bilingual preferred.

Qualifications

• Associate’s or Bachelor’s degree in Business Administration, Finance, or related field preferred.
• 2-4 years of experience in a client‑centric banking role, encompassing both transactional and consultative responsibilities.
• Bilingual (English/Spanish) written and verbal communication skills are preferred, but not required.
• Completion of specialized programs (e.g., Personal Banker School) within the first year of employment is highly valued.
• Demonstrated proficiency in analysis, mathematics, and clear communication skills.
• Proven ability to build trust and deliver tailored, high‑quality service.
• Strong awareness of risk and compliance, supported by hands‑on experience in fraud prevention.
• Technologically adept and adaptable in dynamic, fast‑paced environments.
• A collaborative mindset with demonstrated leadership potential and a commitment to team success.
• Proficiency in Microsoft Office, CRM systems, and digital banking platforms.

Responsibilities

• Provide friendly, accurate service for everyday banking transactions including deposits, withdrawals, loan payments, wires, and foreign currency exchanges to ensure clients feel confident and valued in every interaction.
• Opening, closing, and maintaining consumer and business accounts, including ownership and beneficiary updates, to support clients through life changes and business growth while ensuring accuracy and compliance.
• Engage in meaningful financial conversations to uncover client goals and recommend products and services that align with their needs - strengthening relationships and driving long-term financial success.
• Guiding customers through the mobile and digital banking experience, ensuring they feel support and confident using technology to manage their finances anytime.
• Educate customers on digital tools such as mobile deposits, account alerts, and e-statements to promote self-service options that save time and increase financial awareness.
• Issuing debit cards and assisting with mobile wallet setup, travel notices, and ATM locator tools, helping customers access their funds securely and conveniently - whether at home or on the go.
• Navigate business customers through digital banking solutions like positive pay, ACH, mobile deposit, remote deposit capture and business credit cards to streamline operations, reduce risk, and support business growth.
• Leading moderately complex banking interactions such as credit card support, IRA servicing, and business account setup to meet diverse client needs with confidence and accuracy.
• Proactively onboarding and following up with clients to ensure satisfaction, reinforce trust, and uncover opportunities to strengthen long‑term relationships.
• Monitoring suspicious activity and applying fraud detection procedures, helping protect clients and the bank from financial threats by escalating concerns promptly and appropriately.
• Collaborating with the branch team to uphold audit and operational standards, ensuring all activities align with compliance requirements and contribute to a culture of accountability and excellence.
• Driving growth through consultative engagement, cross‑selling, and qualified referrals across digital and in‑person channels, helping clients discover solutions that support their financial goals while contributing to branch performance.
• Maintaining accurate CRM records and supporting branch initiatives, ensuring seamless operations, informed decision‑making, and consistent exceptional customer experiences.
• Representing IncredibleBank at community events and participating in strategic projects, strengthening brand presence, building community connections, and contributing to the bank’s long‑term success.

Skills

Customer service

Communication

Sales / cross-selling

Fraud awareness

Team collaboration

Education

Associate’s or Bachelor’s degree in Business Administration, Finance, or related field

2-4 years client-centric banking experience

Tools

CRM systems

Microsoft Office

Digital banking platforms

Job description

IncredibleBank in Cape Coral, FL is seeking a Universal Banker to deliver expert service, open and maintain accounts, and guide clients through digital banking tools. The role emphasizes cross-selling, risk awareness, and building long-term relationships, with on-site duties and a schedule following standard banking hours.

Eligible candidates have 2–4 years of client-centric banking experience, a relevant degree, and strong communication skills; bilingual preferred.