Job: BANKER

The Banker I will receive and pay out money and keep records of money and negotiable instruments involved in financial transactions while providing superior banking services to customers in a professional manner. Additionally, they will be responsible for providing the customer and potential customer with a clear understanding of the technical aspects and benefits of products and services offered by performing the following duties:

PRIMARY RESPONSIBILITIES:

SALES:

Recognize selling opportunities and effectively refer customers to other bank associates for bank products and services.

Promotes other financial institution services as consumer and mortgage loans, IRA's, certificates of deposit, traveler's checks, and money orders.

CUSTOMER SERVICE:

Ability to establish rapport with customer through techniques such as customer identification by name, customer greeting, smile, introduction and verbal recognition upon departure (thank you).

Acknowledges customer complaints and follows up on complaints and insures customer
satisfaction.

Maintains comprehensive, prompt and efficient customer service transactions.

Answers customer questions and investigates and corrects errors.

Orders automated teller machine cards and places check orders for customers.

Assists customers with account queries.

Performs a variety of customer service transactions such as account holds, stop-payment orders, direct deposits and check information

Provides service and requested maintenance to customer accounts.

BANK OPERATIONS:

Receives checks and cash for deposit, verifies amount and examines checks for endorsement and customer balances.

Cashes checks and processes withdrawals; pays out money after verification of signatures and customer balances.

Counts, checks, and packages coins and currency.

Enters customers’ transactions into computer to record transactions, and issues computer generated receipts.

Places holds on accounts for uncollected funds.

Balances cash drawer at the end of shift and compares totaled amounts with computer generated proof sheet; reports any discrepancies to the supervisor as necessary.

Monitors cash supply and sells/buys as needed to stay within audit standards.

Check's night depository bags and records proper information on the financial institutions forms.

Assists in the bank by mail process.

Reports malfunctions of teller terminals and other equipment used at the teller station.

Issues traveler's checks, money orders, and U.S. Savings Bonds. (If applicable)

Ensures that the teller station is properly stocked with forms, supplies and other items.

Receives mortgage, consumer loan, and other payments and ensures the payments match the balance due; processes payments into computer.

Assists with operational duties such as night drops, charge backs, reporting of money order and cashier's checks sales, morning balancing and vault balancing.

Maintains audit and security standards.

Adheres to Bank Operating Policies and Procedures.

Ability to acknowledge/prioritize multiple customer demands to provide maximum service level to bank customers.

Develops effective telephone skills and satisfactorily handles all telephone inquiries.

Develops awareness and knowledge of general banking services and the economy.

Ability to make independent decisions.

Ability to listen effectively and understand non-verbal communication skills.

Ability to treat others respectfully in business transactions

Learns to effectively say "no" in a courteous and concerned manner.

Handles pressure from others with confidence and finesse, remains calm and poised even in emotional/volatile situations, treats others respectfully in business transactions

Enjoys and wants to deal with people/may even need to be with people

Have inquisitive minds that enable them to keep abreast of the competition, sound knowledge of business terms and relevant events letting them discuss a broad range of topics

Excellent command of vocabulary which enables them to establish successful relationships with customers

Willingness to take risks, work on incentive/commission

Able to shift conversations from social to business

EDUCATION AND EXEPERIENCE:

High School graduate or equivalent minimum. Bachelor of Business Administration or Associate's Degree preferred.

Basic math proficiency and aptitude.

Must have experience with handling cash.

Post high school education and/or two years work experience preferred.

One year of direct customer service experience desired.

ESSENTIAL FUNCTIONS:

Physical Qualifications (Communication, Lifting, etc.)*

Use verbal communication skills to effectively communicate with customers and other employees

Effectively use a telephone

Watch and understand non-verbal communication

Able to lift boxes of coin and money drawers weighing up to 20 lbs.

Operate and read computer terminal screen

Environmental Qualifications (Mobility)*

Retrieve and replace safe deposit boxes weighing up to 20 lbs; height up to 6 feet
Reach over counter to help customers

Reach upper cabinets for supplies

Access to facility

Move through retail store to visit with customers

Mental Qualifications (Reading, Writing, Math, Computer, etc.)*

Read at a level sufficient to understand memorandums, instructions, forms, applications, financial statements, and credit reports

Write in a clear, concise and legible manner in order to compose memorandums and complete various bank documents and forms

Add, subtract, multiply and divide in order to help customers with their transactions, balance teller drawer, and figure the ratios necessary for evaluating loan applications

Learn and understand computer system in order to run teller transactions, look up customer accounts, and troubleshoot the equipment when problems occur

Handle teller transactions; use teller machine and computer system

*Reasonable accommodations may be made to enable individuals with disabilities to perform these tasks.