Relationship Banker I
DEPARTMENT: Retail Department
REPORTS TO: Banking Center Manager
SUPERVISES: None
FLSA: Non – Exempt STATUS: Full Time
EEO Classification: 5 Administrative Support Workers
JOB GRADE: B
HOURS: Regular full-time 40 hours. Saturday rotation required.
SUMMARY: Provides basic cash receipt and payment services to customers in accordance with financial institution procedures. Meets the needs of customers by becoming familiar with all bank products and services in order to refer them to appropriate departments for assistance and additional sales opportunities. Consistent in providing courteous, professional, accurate, timely, knowledgeable and patient service to the customer.
EDUCATION & EXPERIENCE:
- High school diploma or equivalent.
- Prior Customer Service experience.
- Cash handling experience.
- Teller experience preferred.
- Understanding of basic mathematical skills.
- Good interpersonal communication & computer skills.
ESSENTIAL DUTIES & RESPONSIBILITIES:
- Manage large sum of currency with accuracy.
- Receives cash & checks for deposits to accounts, verifies amounts, examines checks for proper endorsement, and enters transactions correctly into bank's computer system.
- Examine identification and identify validity.
- Examine checks deposited and determine proper funds availability based on regulation requirements & complete hold notices accurately.
- Process large commercial deposits.
- Process savings withdrawals: verify and receive proper identification.
- Process loan payments: verify payment amount and issue receipts.
- Identify counterfeit currency.
- Ability to prioritize and make on-the-spot decisions regarding customer transactions, weighing customer satisfaction issues with bank's exposure to loss or fraud.
- Issue cashier's checks redeem U.S. savings bonds, process safe deposit box payments, process utility payments, process credit card payments and issue gift cards.
- Buy and sell currency from the vault as necessary, ensuring that teller drawer cash limits are not exceeded.
- Answer basic customer inquiries regarding interest rates, service charges, and account histories while complying with disclosure requirements, regulations and consumer privacy policies.
- Knowledge of products and services offered by the bank (Retail, Loan, Trust, Insurance) in order to: refer customers to the proper department for issues that cannot be resolved in retail.
- Promote and cross-sell bank products and services.
- Identify and attempt to correct any discrepancies found in customer information files (CIF)
- Assist in opening and closing of vault and night depository.
- Balance cash drawer daily.
- Researches any outages and reports any unresolved discrepancies to the supervisor.
- Knowledge of various federal regulations including Bank Secrecy Act, Community Reinvestment Act, Americans with Disabilities Act, Right to Financial Privacy Act, Gramm-Leach-Bliley Act, Regulation E and teller roles and responsibilities relating to each act.
- Reasonable accommodations may be made to enable individuals with disabilities to perform the essential functions.
- Open and close the bank by following established security procedures.
- Live and represent the Field & Main culture and brand.
- Perform related duties as assigned by supervisor.
COMPETENCIES: To be successful in this position, an individual should possess and demonstrate the following competencies to perform the essential functions of this position.
- Computer Skills – Strong working knowledge of computer functions. Proficient in keyboarding. Ability to learn new technical skills & commitment to pursuing continuing education opportunities to advance technical skills.
- Initiative - Ability to determine a correct course of action based on knowledge, policies and sound judgment. Takes proactive steps to accomplish task without specific direction. Seeks out and takes responsibility for additional work assessments. Seeks out new learning opportunities. Keeps supervisor informed on status of incomplete tasks. Ability to consistently make correct decisions based on sound judgment, job knowledge, job experience and job training. Willingness to take responsibility for decisions. Keeps supervisor informed of decision and reason and base for the decision.
- Follow-Up - Completes assignments and tasks willingly, promptly and efficiently. Responds with a sense of urgency to requests from customers, co-workers and /or supervisor. Keeps supervisor informed of status of completed tasks.
- Communication Skills - Relates positively to customers, co-workers, and supervisors. Consistently keeps supervisor informed. Consistently demonstrates appropriate use language expected in a professional work environment. Considerate and respectful of customers, co-workers, and supervisors by tone, volume and mannerism used in communicating. Expresses thoughts clearly and proficiently in written and oral form. Maintains confidentially in all bank and customer related manners.
- Interpersonal Relationship Skills -Works well with co-workers conveying thoughts and actions in a positive manner. Supports, accepts and understands management and company directives and works to help achieve individual, departmental and company objectives and goals with positive behavior. Consistently displays a willingness to cooperate. Receptive to suggestions for improvement. Strong sense of business propriety and decorum. Interacts and communicates with individuals at all levels of the organization. Dependable, consistently at work and on time, follows instructions, responds to management directions and solicits feedback to improve performance
- Time Management - Ability to consistently display a sense of urgency in completing tasks and servicing customer's needs. Ability to maintain accuracy and quality of work as quantity of work increases. Individual organizes, prioritizes and plans work activities and use of time efficiently. Effectively prioritizes duties and develops a system that triggers action in own workflow. Possess ability to realize urgent nature of tasks assigned. Effectively uses the proper resources to maintain an organized, neat and efficient work environment necessary for completion of duties in a timely manner. Demonstrates accuracy and thoroughness and monitors own work to ensure quality and quantity of work. Takes time to verify work and promptly correct errors. Maintains all the required and appropriate records necessary in the job.
- Adherence to Policies & Procedures - Understand s the importance of adherence to bank policies in job related functions, employee and banking issues. Maintains confidentiality of employee, customer and bank information within and outside of the company. Actions and behaviors reflect positively on the company. Maintains highest level of honesty in handling customer, employee and bank information.
ADA REQUIREMENTS: Work is performed in an open office setting; one must be able to concentrate and perform work in an area that will likely result in the interruptions of one's duties. Ability to stand for long periods of time. May be required to lift items weighing up to 25-70 lbs.
This job description may not be all-inclusive. Employees are expected to perform other duties as assigned or directed by management. Job descriptions and duties may be modified when deemed appropriate by management.
REV. 02/10/2020 TRV EOE/ Minorities/Women/Vets/Disabled
Relationship Banker II
DEPARTMENT: Retail Department
REPORTS TO: Banking Center Manager
SUPERVISES: None
FLSA: Non – Exempt STATUS: Full Time
EEO Classification: 5 Administrative Support Workers
JOB GRADE: D
HOURS: Regular full-time 40 hours. Saturday rotation required.
SUMMARY: Performs vault and new account functions, as well as providing basic cash receipt and payment services to customers in accordance with financial institution procedures, opening new accounts, establishing direct deposit accounts, opening retirement accounts and assisting customers with inquiries concerning products and services. Responsible for the development of new business relationships and maintaining existing relationships. Answers questions on all services the financial institution provides and recognizes selling and referral opportunities. Operates a teller drawer daily.
EDUCATION & EXPERIENCE:
- High school diploma or equivalent. Associates in business or related field preferred.
- Six months' experience in the teller function, as well as sales experience, particularly in cross-marketing products & services.
- Good understanding of financial products and services.
- Excellent sales, interpersonal and communication skills.
- Above average computer and keyboard skills.
- Good organizational skills.
ESSENTIAL DUTIES & RESPONSIBILITIES:
- Provides a complete range of customer services at the financial institution, including opening new accounts including, but not limited to, checking, savings, certificate of deposits and Individual Retirement Accounts
- Explains available products and services and collect customer information to satisfy the Customer Information Program (CIP).
- Carries out the financial institution's client retention strategies.
- Proactively prospects for new business. Actively refers loan, trust, insurance, and brokerage services to appropriate financial institution specialists.
- Assists supervisor in establishing objectives and plans for the retail area.
- Participates in sales, service and product training meetings.
- Answer customer inquiries regarding interest rates, service charges, and account histories while complying with disclosure requirements, regulations and consumer privacy policies.
- Knowledge of company products and services in order to promote and cross-sell bank products and services.
- Knowledge of various federal regulations including Bank Secrecy Act, Community Reinvestment Act, Americans with Disabilities Act, Right to Financial Privacy Act, Gramm-Leach-Bliley Act, Regulation E and CSR/Teller roles and responsibilities relating to each act.
- The ability to prioritize and make on-the-spot decisions regarding customer transactions, weighing customer satisfaction issues with bank's exposure to loss or fraud.
- Proficient with vault responsibilities for the banking center.
- Receive cash and checks for deposit, verifies amounts, examines checks for proper endorsement, and enters transactions correctly into bank's computer system.
- Examine checks deposited and determine proper funds availability based on regulation requirements & complete hold notices.
- Process large commercial deposits.
- Manage large sum of currency with accuracy.
- Issue cashier's checks, redeem U. S. savings bonds, process safe deposit box payments, process utility payments, process credit card payments and issues gift cards.
- Identify counterfeit currency.
- Follow policies and procedures related to retail areas.
- Open and close banking center by following established security procedures.
- Reasonable accommodations may be made to enable individuals with disabilities to perform the essential functions.
- Live and represent the Field & Main culture and brand.
- Perform related duties as assigned by supervisor.
COMPETENCIES: To be successful in this position, an individual should possess and demonstrate the following competencies to perform the essential functions of this position.
- Computer Skills - Strong working knowledge of computer functions. Proficient in keyboarding. Ability to learn new technical skills & commitment to pursuing continuing education opportunities to advance technical skills.
- Initiative - Ability to determine a correct course of action based on knowledge, policies and sound judgment. Takes proactive steps to accomplish task without specific direction. Seeks out and takes responsibility for additional work assessments. Seeks out new learning opportunities. Keeps supervisor informed on status of incomplete tasks. Ability to consistently make correct decisions based on sound judgment, job knowledge, job experience and job training. Willingness to take responsibility for decisions. Keeps supervisor informed of decision and reason and base for the decision.
- Follow-Up - Completes assignments and tasks willingly, promptly and efficiently. Responds with a sense of urgency to requests from customers, co-workers and /or supervisor. Keeps supervisor informed of status of completed tasks.
- Communication Skills - Relates positively to customers, co-workers, and supervisors. Consistently keeps supervisor informed. Consistently demonstrates appropriate use language expected in a professional work environment. Considerate and respectful of customers, co-workers, and supervisors by tone, volume and mannerism used in communicating. Expresses thoughts clearly and proficiently in written and oral form. Maintains confidentially in all bank and customer related manners.
- Interpersonal Relationship Skills -Works well with and along co-workers conveying thoughts and actions in a positive manner. Supports, accepts and understands management and company directives and works to help achieve individual, departmental and company objectives and goals with positive behavior. Consistently displays a willingness to cooperate. Receptive to suggestions for improvement. Strong sense of business propriety and decorum. Interacts and communicates with individuals at all levels of the organization. Dependable, consistently at work and on time, follows instructions, responds to management directions and solicits feedback to improve performance
- Time Management - Ability to consistently display a sense of urgency in completing tasks and servicing customer's needs. Ability to maintain accuracy and quality of work as quantity of work increases. Individual organizes, prioritizes and plans work activities and use of time efficiently. Effectively prioritizes duties and develops a system that triggers action in own workflow. Possess ability to realize urgent nature of tasks assigned. Effectively uses the proper resources to maintain an organized, neat and efficient work environment necessary for completion of duties in a timely manner. Demonstrates accuracy and thoroughness and monitors own work to ensure quality and quantity of work. Takes time to verify work and promptly correct errors. Maintains all the required and appropriate records necessary in the job.
- Adherence to Policies & Procedures - Understand s the importance of adherence to bank policies in job related functions, employee and banking issues. Maintains confidentiality of employee, customer and bank information within and outside of the company. Actions and behaviors reflect positively on the company. Maintains highest level of honesty in handling customer, employee and bank information.
ADA REQUIREMENTS: Work is performed in an open office setting; one must be able to concentrate and perform work in an area that will likely result in the interruptions of one's duties. Ability to stand for long periods of time. May be required to lift items weighing up to 25-70 lbs.
This job description may not be all-inclusive. Employees are expected to perform other duties as assigned or directed by management. Job descriptions and duties may be modified when deemed appropriate by management.
REV. 02/10/2020 TRV EOE/ Minorities/Women/Vets/Disabled
PI587803ccdfbe-25826-31940810
