Banking Specialist IV

Amerantbank• Weston, FL, US, FL

9d•Onsite

About The Position

The Banking Specialist IV provides teller and platform-based transactions, manages lobby activity, and supports mobile, online banking, and other digital solutions. The role educates existing and prospective customers about consumer and small business products, identifies customer needs, recommends appropriate solutions, and helps build customer loyalty. The position combines banking operations, customer service, and business development. It processes financial transactions, supports account opening and maintenance, assists with credit requests, follows applicable regulatory and security requirements, resolves customer issues, and works toward sales and outbound-conversation goals. The Banking Specialist IV also promotes digital banking, participates in community and market-development activities, and may support or train other banking center team members. The role requires more than five years of experience in a bank sales or service environment, or equivalent experience including sales results. A high school diploma or GED is required; an associate or bachelor’s degree is preferred. English is required, and some markets may require a second language. The applicant must be NMLS registered or willing to register upon accepting an offer and must pass FBI criminal background and credit checks within the stated timeframe.

Requirements

More than 5 years of experience in a bank sales or service environment, or equivalent experience that includes sales results.
High school diploma or GED.
English language skills; certain markets may require a second language.
Teamwork, ability to work under pressure, and a professional image.
Ability to resolve problems and conflicts, prioritize work, and manage time effectively.
Business communication skills, including advanced writing and listening, along with basic office, mathematics, and customer service skills.
Report writing, basic statistics, presentation, and creative skills.
Sales and negotiation skills.
Must be NMLS registered and provide the company with an NMLS number, or be willing to register in NMLS upon accepting an employment offer.
Must successfully pass FBI criminal background and credit checks within the first 30 days of employment or 30 days from the date of upload, whichever occurs first.

Nice To Haves

Associate degree or bachelor’s degree.
Second-language skills in markets where they are useful or required.

Responsibilities

Process financial transactions, including deposits, withdrawals, check cashing, and cashier’s check issuance.
Research and resolve issues related to end-of-day banking center balancing.
Support day-to-day operation of the ATM, cash recycler, drive-through, and night drop, as applicable.
Open new accounts and perform platform maintenance transactions, including debit card issuance and maintenance and Know Your Customer requirements.
Complete operational responsibilities associated with opening and maintaining products and services.
Review customer account activity for Bank Secrecy Act compliance.
Review overdraft, uncollected, and significant balance change reports, as applicable.
Originate new credit requests and respond to loan-related inquiries.
Follow Bank policies, procedures, legal and regulatory requirements, and security and audit procedures.
Escalate potential concerns that could lead to Bank losses and identify or recommend measures to manage risks.
Carry out preventive measures related to BSA, the USA PATRIOT Act, OFAC, and other anti-money-laundering requirements.
Advocate for customers, resolve problems, and follow up to ensure expectations are met.
Provide quality service to current and prospective customers and support customer retention and engagement.
Meet or exceed sales goals and outbound-conversation expectations established by management.
Acquire, retain, and expand customer relationships by profiling customers, assessing needs, and recommending and selling appropriate products and services.
Educate customers about banking channels and maintain knowledge of Bank products and services.
Participate in market-development and business-development activities, including community organizations, and refer customers to other lines of business as appropriate.
Follow banking center expectations, maintain a clean and uncluttered environment, and adhere to career-wear standards.
Use the elements of transformed banking centers when applicable and encourage customers to use digital banking components.
Assist customers with online and mobile banking; may act as a Digital Advocate and educate team members on digital channels.
Participate in lobby management and greet customers and prospects according to banking center standards.
Complete mandatory training and maintain knowledge of the Bank’s products and services.
May exercise approval authority and may train or assist less-experienced banking center team members.
Work cooperatively with colleagues and supervisors, work at different assigned banking centers within the region, and perform other duties as required.
Live the Bank’s values.