Universal Banker I

Nicolet National Bank; Muscatine (IA); On-site; USD 32,000 - 48,000; Full time

Benefits offered by this job

401(k) match

PTO + 11.5 paid holidays

Job summary

Nicolet National Bank in Muscatine, IA is seeking a Universal Banker I to drive new relationships and deliver an exceptional customer experience as a trusted frontline advisor.

You will provide efficient teller services, educate customers on digital tools, and refer opportunities to Personal Bankers and lending specialists while maintaining regulatory compliance and collaborating with team members.

Qualifications

• High school diploma or equivalent.
• 1+ years of cash-handling and customer-service experience.
• Banking or retail financial-services experience preferred.
• Strong communication and interpersonal skills.
• Proficiency with banking systems and digital tools.

Responsibilities

• Provide welcoming and professional service across in-person, phone, and digital channels.
• Process deposits, withdrawals, transfers, and other teller transactions accurately.
• Educate customers on digital tools and assist with referrals to Personal Bankers.
• Support branch sales goals through relationship-building and follow-up.
• Maintain compliance with security, regulatory requirements, and data privacy.

Skills

Customer service

Cash handling

Communication

Interpersonal skills

Accuracy

Multitasking

Digital tools familiarity

Microsoft Office

Job description

At Nicolet National Bank, our culture is based on the principles of community banking, putting the needs of our customers at the forefront of our decision‑making. Our Core Values drive everything we do, and we are committed to serving our customers with excellence. We believe that every job in our organization is critical to our success, and we are dedicated to creating a work environment where our employees feel valued, respected, and supported. With locations in Wisconsin, Michigan, Minnesota, Iowa, and Florida we are proud to service our local communities and make a positive impact on the lives of our customers.

The Universal Banker I plays a key role in driving new customers and business while expanding existing relationships for Nicolet and your branch, serving as a trusted frontline advisor who reflects Nicolet’s culture, values, and commitment to an exceptional customer experience.

In this role, you provide efficient, accurate teller services; deliver strong customer service across all channels; educate customers on digital tools; and proactively identify financial needs to recommend appropriate solutions. You also play a critical role in referring customers to Personal Bankers and lending specialists for deposit accounts, consumer loans, home equity loans, and credit cards. You help sustain branch performance through relationship‑building, needs‑based referrals, operational accuracy, and compliance excellence.

As a Universal Banker I, you will:

Customer Experience & Relationship Building:

• Provide welcoming and professional service across in‑person, phone, and digital channels.
• Engage customers in needs‑based conversations to understand goals and introduce appropriate solutions.
• Deliver prompt assistance for routine servicing inquiries; elevate or refer as needed.
• Build trust by following through on requests and ensuring customers feel valued.
• Contribute to the achievement of business objectives by conducting internal and external sales calls and other business development activities.

Teller Operations & Cash Management:

• Accurately process deposits, withdrawals, loan payments, transfers, cashier’s checks, and other transactions.
• Maintain proper cash handling, dual‑control procedures, balancing routines, and vault/ATM support as assigned.
• Identify suspicious activity, follow fraud‑prevention steps, and elevate concerns promptly.
• Identify customer needs and refer opportunities to Personal Bankers or lending specialists for new accounts, consumer loans, home equity loans/lines, and credit cards.
• Educate customers on digital tools such as mobile banking, online banking, and e‑statements.
• Support achievement of branch sales and referral goals through disciplined engagement and follow‑up.

Problem Resolution & Support:

• Research and resolve routine issues such as transaction discrepancies, fee questions, and debit‑card concerns within authority.
• Elevate more complex servicing matters to Personal Bankers or leadership.
• Adhere to operational standards, security practices, and regulatory requirements including BSA/AML, KYC, OFAC, Reg CC, and Reg E.
• Protect customer data, ensure confidentiality, and follow documentation procedures.
• Maintain audit‑ready accuracy in all teller work and branch support tasks.

Team Collaboration & Community Engagement:

• Participate in daily huddles and collaborate with team members to meet branch goals.
• Support community outreach efforts and represent Nicolet in local engagement activities.
• Assist with branch operations needs such as supplies, scheduling coverage, or special projects.

General:

• Uphold Nicolet’s philosophy and policies by maintaining appropriate controls to ensure full compliance with applicable laws and regulations, thereby fulfilling legal responsibilities and enhancing the quality of services provided by Nicolet.
• Understand and communicate the value of diversity within the workplace and to work successfully with others without regard to age, gender, race, sexual orientation, ethnicity, culture, religion, disability status, socioeconomic status or other non‑job‑related classification, including a commitment to Nicolet’s policies on equal employment opportunities and non‑discrimination with a willingness to pursue efforts of inclusion and respect toward different perspectives.
• Performs all other duties as assigned.

Qualifications:

• High school diploma or equivalent required.
• 1+ years of cash‑handling and customer‑service experience required.
• Prior banking or retail financial‑services experience preferred.
• Strong customer‑service, communication, and interpersonal skills.
• Accuracy, attention to detail, and strong cash‑handl ding discipline.
• Ability to identify customer needs and confidently make referrals.
• Working knowledge of deposit products, digital tools, and basic banking services.
• Ability to manage multiple tasks in a fast‑paced environment.
• Proficiency with banking systems, digital platforms, and Microsoft Office.
• 401(k) with a company match
• PTO & 11 1/2 Paid Holidays

The above statements are intended to describe the general nature and level of work being performed. They are not intended to be construed as an exhaustive list of all responsibilities and skills required for the position.

Equal Opportunity Employer/Veterans/Disabled