Personal Banker

Description/Job Summary

GENERAL DESCRIPTION OF POSITION
The incumbent is responsible for establishing new accounts, serving deposit account related needs, assisting customers in day to day transactions, maintaining a cash drawer, opening/closing bank as necessary, and answering telephone in a courteous manner.

ESSENTIAL DUTIES AND RESPONSIBILITIES

• Provide excellent customer service at all times, actively looking for ways to strengthen customer relationships by cross selling bank products and services.
• Greet customers as they enter the bank and direct to the appropriate employee.
• Contribute to the fulfillment of department and company objectives and goals.
• Quickly answer telephone calls in a courteous manner.
• Regularly check and take appropriate action on bank e-mail.
• Resolve problems or discrepancies concerning customers' accounts.
• Open and close checking and savings accounts as necessary.
• Open and close CDs, IRAs, and HSAs as necessary.
• Maintain an acceptable level of exceptions related to new account creation or modification.
• Complete forms and assist with all products related to deposit accounts.
• Complete any transaction related to checking accounts, savings accounts, CDs, IRAs, and HSAs including deposits, withdrawals, transfers, money orders, cashier's checks, gift cards, cash advances, and retirement distributions.
• Buy and sell currency from the vault as necessary, ensuring that teller drawer and vault cash limits are not exceeded.

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  Examine checks deposited and determine proper funds availability based on regulation requirements; complete Hold Notices.

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  Accept loan payments.

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  Originate wires.
• Process and appropriately log night and mail deposits.
• Scan, correct, and balance all paper transaction items through the Bank's source capture optimization program and submit for processing through the federal banking system.
• Balance and maintain cash drawer, vault, and ATM if applicable.
• Perform branch balancing duties.
• Stock desk/teller supplies.
• Comply with all department and company policies and procedures.
• Follow all bank policies and procedures, with regulatory knowledge of deposit-related compliance topics.
• Assist with office functions as needed.
• Perform opening and closing procedures as assigned.

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  Perform any other related duties as required or assigned.

QUALIFICATIONS
To perform this job successfully, an individual must be able to perform each essential duty mentioned satisfactorily. The requirements listed below are representative of the knowledge, skill, and/or ability required.

EDUCATION AND EXPERIENCE
Mental alertness and adaptability to office and field area work routines. Equivalent to four years high school, with particular emphasis during high school in office skills, shop skills, or others, plus 12 to 18 months related experience and/or training. Or equivalent combination of education and experience.

RESPONSIBILITY FOR FUNDS, PROPERTY and EQUIPMENT
None.

SUPERVISORY RESPONSIBILITIES
None.

COMMUNICATION SKILLS
Ability to read and understand documents such as policy manuals, safety rules, operating and maintenance instructions, and procedure manuals; Ability to write routine reports and correspondence.

MATHEMATICAL SKILLS
Ability to add, subtract, multiply and divide numbers. Ability to perform these mathematical skills using money and other forms of measurement.

CRITICAL THINKING SKILLS
Ability to use common sense understanding in order to carry out detailed written or oral instructions. Ability to deal with problems involving a few known variables in situations of a routine nature.

SUPERVISION RECEIVED
Under general supervision where standard practice enables the employee to proceed alone on routine work, referring all questionable cases to supervisor.

PLANNING
Limited responsibility with regard to general assignments in planning time, method, manner, and/or sequence of performance of own work operations.

DECISION MAKING
Performs work operations which permit frequent opportunity for decision-making of minor importance and which would not only affect the operating efficiency of the individual involved, but would also affect the work operations of other employees and/or clientele to a slight degree.

MENTAL DEMAND
Moderate mental demand. Operations requiring almost continuous attention, but work is sufficiently repetitive that a habit cycle is formed; operations requiring intermittent directed thinking to determine or select materials, equipment or operations where variable sequences may be selected by the employee.

ANALYTICAL ABILITY / PROBLEM SOLVING
Repetitive. Activities or duties using a pre-determined set of processes or directions coupled with nearby supervision. Learned things in situations where choice is simple or patterned.

USE OF MACHINES, EQUIPMENT AND/OR COMPUTERS
Regular use of complex machines and equipment (desktop/laptop computer and software, road and production machines and equipment, etc.)

ACCURACY
Probable errors would not likely be detected until they reached another department, office or patron, and would then require considerable time and effort to correct the situation. Frequently, possibility of error that would affect the organization's prestige and relationship with the public to a limited extent, but where succeeding operations or supervision would normally preclude the possibility of a serious situation arising as a result of the error or decision.

PUBLIC CONTACT
Frequent contacts with general public, patrons, or other outside representatives, wherein the manner of handling these contacts has a bearing on the organization's position and operation.

EMPLOYEE CONTACT
Contacts of considerable importance within the department or office, such as those required in coordination of effort, or frequent contacts with other departments or offices, generally in normal course of performing duties. Requires tact in discussing problems and presenting data and making recommendations, but responsibility for action and decision reverts to others.

REQUIRED CERTIFICATES, LICENSES, REGISTRATIONS
Not indicated.

PREFERRED CERTIFICATES, LICENSES, REGISTRATIONS
Not indicated.

SOFTWARE SKILLS REQUIRED
Intermediate: Word Processing/Typing
Basic: 10-Key, Alphanumeric Data Entry, Database, Spreadsheet

ADDITIONAL SOFTWARE SKILLS
Not indicated.

OTHER SKILLS
Not indicated.

PHYSICAL ACTIVITIES
The following physical activities described here are representative of those that must be met by an employee to successfully perform the essential functions of this job. Reasonable accommodations may be made to enable individuals with disabilities to perform the essential functions and expectations.

While performing the functions of this job, the employee is continuously required to use hands to finger, handle, or feel, talk or hear;regularly required to stand, reach with hands and arms;frequently required to sit; andoccasionally required to walk, climb or balance, stoop, kneel, crouch, or crawl.

The employee must occasionally lift and/or move up to 25 pounds, frequently lift and/or move up to 10 pounds. Specific vision abilities required by this job include close vision.

ENVIRONMENTAL CONDITIONS
There are no harmful environmental conditions that are present for this position.

The noise level in the work environment is usually moderate.

ADDITIONAL INFORMATION
Not indicated.

More ADDITIONAL INFORMATION
Not indicated.