Personal Banker-Kennett

FIRST STATE BANK AND TRUST•Kennett, MO

6d•Onsite

About The Position

The Personal Banker conducts financial transactions between customers and the Bank, handles routine and complex customer inquiries, and helps maintain positive customer and employee relations. The role includes opening new accounts and performing related customer service functions. The employee is expected to provide courteous, professional service, identify customers’ financial needs, explain services and promotions, and cross-sell appropriate Bank products. The position requires following Bank policies, procedures, security controls, and regulatory requirements while handling cash, customer records, accounts, and transactions. The role has no supervisory responsibilities and may require work before or after normal business hours to attend employee meetings or training.

Requirements

High school diploma or GED plus additional bank-related training; or one to two years of related experience and/or training; or an equivalent combination of education and experience.
Knowledge of Bank procedures, regulatory compliance, and BSA regulations.
Ability to read and interpret safety rules, operating and maintenance instructions, and procedure manuals; write routine reports and correspondence; and speak effectively with customers or employees.
Ability to perform arithmetic with whole numbers, fractions, and decimals; compute rates, ratios, and percentages; and interpret bar graphs.
Ability to apply common-sense reasoning to written, oral, or diagrammed instructions and solve problems involving several concrete variables in standardized situations.
Ability to operate a telephone, scanner, 10-key calculator, personal computer and printer, copy machine, shredder, coin counter, currency counter, step stool or ladder, multi-drawer file cabinet, cash advance machine, ATM/debit card re-pin machine, and fax machine.
Working knowledge of Jack Henry 20/20, Vertex, Image Centre, Word, Excel, and other required software.
Valid driver's license and ability to be bonded by the Bank’s surety company.
Ability to consistently and accurately balance cash and maintain favorable customer relations.
Ability to meet the physical demands of the job, including occasionally lifting or moving up to 25 pounds.

Responsibilities

Provide professional, pleasant customer service and follow established customer service procedures.
Process checking and savings transactions, loan payments and payoffs, and other customer transactions.
Open and maintain deposit accounts, including certificates of deposit, NOW, savings, checking, and IRA accounts, and safe deposit boxes.
Identify customers’ financial service needs, advise them about Bank services and promotions, cross-sell products, and meet established sales goals.
Handle customer inquiries about accounts, statements, charges, interest, and transaction services; refer complex matters to appropriate employees.
Verify transaction information and documentation and follow Bank policies, procedures, disclosures, regulatory requirements, and security controls.
Maintain, verify, and balance cash drawers and working funds; assist with cash forecasting, vault procedures, currency handling, and reconciliation of discrepancies.
Process night deposits, mail deposits, cashier checks, money orders, savings bond redemptions, outgoing wire transfers, and currency transaction reporting documentation.
Balance and replenish the ATM, check that it is working, and assist with debit card and ATM issues.
Provide safe deposit box access in accordance with contracts and Bank procedures; process related payments and fees.
Process account address, name, ownership, and check-order changes; provide notary services and set up direct deposits and automatic debits.
Maintain customer account confidentiality and respond promptly and courteously to inquiries.
Maintain teller supplies and handle coin counting, wrapping, and bagging.
Assist coworkers with difficult internal problems or customer inquiries and may help train new tellers.
Maintain job-related knowledge through seminars, conferences, workshops, and professional or community involvement.
Work as a Personal Banker at any Bank location as needed and conduct oneself professionally as a Bank representative.