Closing Date
12/31/2021
Company
American Bank
Location
Any American Bank location
Position
Personal Banker/Tellers
Job Description
Provide excellent client service by processing both business and individual banking transactions and cross-selling bank services. Also responsible for effectively promoting and selling all retail products and services, providing all aspects of client service, and developing strong, personal, multiple product relationships with clients. Serve as a back-up to the Client Services Department as scheduled through the client services call queue.

Essential Duties & Responsibilities:

Sales
• Answer questions providing accurate information or making the proper referral if necessary
• Develop strong relationships with clients (including but not limited to: follow-up letters and calls, acknowledging and greeting clients in the lobby, calling clients by name, etc.)
• Develop new account relationships with prospective clients (business development contacts)
• Actively and enthusiastically participates in the Bank’s retail sales program
• Enthusiastically embrace promoting all retail products and services (including but not limited to: depository accounts, consumer loans, overdraft protection, IRA’s, Safe Deposit Boxes, cash management, Bank Online and Mobile Banking)
• Answer questions providing accurate information or making the proper referral if necessary
• Becoming familiar with all of American Bank subsidiary products and services – looking for and recognizing opportunities to refer clients, based on their financial needs, to the appropriate individuals

Teller
• Accept retail and/or commercial deposits, loan payments, process checking and savings account withdrawals
• Accurately verify all coin and currency
• Examine checks for endorsement and proper presentment
• Cash checks - pays out money after verifying, signature, stop payments and account balance
• Prepare change orders for clients
• Accurately complete Currency Transaction Reports when applicable
• Process loan payments
• Process stop payments
• Redeem savings bonds
• Provide additional products including Cashier’s Checks and Personal Money Orders
• Exchange foreign currency
• Process credit card cash advances
• Process domestic and foreign wire transfers
• Accept and process items to be sent for collection
• Keep teller drawer counted down according to drawer limits
• Balance teller cash drawer daily in accordance with Bank procedures
• Balance TCR or TCD daily, where applicable
• Balance and service coin machines where applicable
• Assist, as needed, in balancing the cash vault daily
• Prepare shipment to/from vault, where applicable
• Assist clients in accessing their safe deposit boxes, where applicable
• May be responsible for Banking opening and closing
• Provide client's balances or instant statements, on request, for deposit and loan accounts
• Answer client inquiries and refer clients to the proper service area for issues that cannot be resolved at the teller station
• Remain alert to fraud, following established procedures and utilizing tools including signature verification, pop-ups etc.
• Maintain the highest level confidentiality with all information obtained
• Represent the Bank in a manner that maintains and expands positive relations with all clients, potential clients, and co-workers
• Prior to changing, altering or releasing any account information, responsible for authenticating the client's identity and their authorization to act on behalf of the account as stated on the account's signature card contract.
• Perform additional duties and special projects as assigned

Personal Banker
• Open new accounts (matching needs with appropriate products)
• Process consumer loan applications (including the initial interview and the denial or the approval, loan closing/funding)
• Answer client questions providing accurate information, resolving client issues, or making the proper referral if necessary
• Remain alert to possible fraud situations - Act promptly to safeguard bank and client assets when questionable transactions are requested by existing or potential clients
• Provide notary services
• Call clients regarding overdrawn accounts
• Have a general understanding of the operations of electronic banking products (bank online, bank-by-phone, bill pay, text banking, remote deposit, mobile banking, eStatments and other channels
• Ability work at different branch locations in the area
• Prepare and PIN Business and Personal Check Cards and ATM cards
• Place check and deposit slip orders
• Assist clients with Safe Deposit Box services
• Assist clients with Bank Online
• Assist clients with Mobile Banking
• Request OFAC checks
• Assist clients with FDIC guidelines
• Process transaction disputes
• Process domestic and foreign wire transfers
• Travel to other branches for training
• Distribute incoming mail and interoffice mail
• Complete Closed Account forms
• Complete Change of Address forms
• Prepare Business Bank Online forms

Client Services
• Ability to effectively communicate with internal and external clients in a manner consistent with the Bank’s professional and behavior standards
• Provide excellent service to clients over the phone and in person
• Provide research and follow up with clients as necessary

Miscellaneous
• Prior to changing, altering or releasing any account information, responsible for authenticating the client’s identity and their authorization to act on behalf of the account as stated on the account’s signature card contract
• Performs additional duties and special projects as assigned

Non-essential Duties & Responsibilities
• Ability to operate telephone, fax machine and PC
• Ability to carry and place teller’s drawer in place
• Ability to carry large bags of money
• Restock supplies as needed (example: water, paper, etc)
• Observe clients carefully as they enter and exit the bank doors

Experience Required
Personal Banker I/Teller: Grade 7
• One to two years in banking or related field
• Previous teller experience required
• Extensive cash handling and balancing experience required
• Previous new accounts or Personal Banker experience preferred but not required
Personal Banker II/Teller: Grade 8
• Minimum of 2 years’ experience as a Personal Banker/Teller
• Above average performance review score
Qualifications
• Excellent client service skills including attentiveness, information retention, tact and diplomacy
• Thorough knowledge of the Bank’s products and services
• Professional image (business attire and professional communication etiquette and interviewing skills)
• Competence with computers, telephone and other office machinery
• Thorough knowledge, comprehension, and benefits of all retail policies and procedures
• Pro-active personality (ability to seek out and ask for business instead of waiting for it to come)
• Excellent written and oral communication skills
• Familiar with retail banking regulations and responsibilities
• Ability to work in a fast paced environment and under pressure as needed
• The ability to make sound decisions, this may include the ability to make on-the-spot decisions regarding client transactions; weighing client satisfaction issues with the Bank’s exposure to loss or fraud and the ability to think through and rationalize decisions
• Flexible regarding scheduling
• Available to work rotating Saturdays and evenings
• Must be able to work at different branch locations as business needs dictate

Education
• High school graduate or equivalent

“Duties and responsibilities may
Requirements