Financial Services Representative 1 - Cannonsburg

City National Bank•Ashland, KY

About The Position

The Financial Services Representative 1 provides excellent customer service, manages lobby traffic to help reduce customer wait times, and serves as a primary contact for resolving routine and complex customer account issues. The role performs the essential functions of a Customer Service Representative while responding to bank customers’ sales and service needs. Duties vary according to branch staffing and traffic. The primary focus is meeting customers’ immediate needs while identifying opportunities to enhance and expand customer relationships. The representative processes banking transactions and account-service requests, maintains and balances working cash, assists with loan applications and retail loan closings, and promotes bank products and services. The position develops customer relationships, meets individual production expectations and contributes to branch goals, while complying with bank regulatory, audit, and compliance policies. Work is generally performed indoors in environmentally controlled conditions. The employee may typically sit, with some standing, walking, bending, and lifting of 5–10 pounds.

Requirements

High school diploma or equivalent.
Demonstrated sales and service skills.
Ability to multitask, organize, and prioritize to ensure excellent customer service.
Professional dress and demeanor.
Personal computer proficiency.
Compliance with Loan Officer Requirements of the SAFE Mortgage Licensing Act and Regulation Z, including review of financial responsibility, character, and general fitness before placement in the role.
Comply with NMLS registration and corresponding background check requirements within 30 days of employment.
Excellent customer service and sales skills.
Excellent oral communication and listening skills.
Knowledge of, or ability to learn, the bank’s operating systems, policies, and procedures.

Nice To Haves

Cash handling experience preferred.
One to two years of retail banking experience preferred.

Responsibilities

Execute the bank’s phone, platform, and customer service standards.
Maintain a positive and professional attitude.
Promote and sell bank products and services to prospective and existing customers using the bank’s customer conversation model to identify needs.
Process routine banking transactions and service or maintenance requests, including check cashing, deposits, withdrawals, account transfers, loan payments, and debit card disputes.
Maintain and balance a working cash supply.
Assist customers with routine account maintenance and complex service issues through resolution.
Assist with loan applications, recommend appropriate loan structures, gather required documents, submit loan packages to the retail loan department, and close retail loans as needed.
Meet minimum individual production levels for retail loans, checking accounts, and mortgage referrals, and contribute to branch goals.
Develop and maintain customer relationships and seek referral resources from existing customers.
Refer customers appropriately to other departments and business partners.
Maintain current knowledge of bank products and services and general knowledge of the competitive environment.
Complete required training within predetermined time limits.
Follow bank regulatory, audit, and compliance policies and procedures.