Personal Banker-Sikeston

FIRST STATE BANK AND TRUST•Sikeston, MO

85d•Onsite

About The Position

The Personal Banker conducts financial transactions between customers and the Bank, handles routine and complex customer inquiries and problems, and maintains positive customer and employee relations. The role opens new accounts and performs related customer-service functions. The position is based at the Sikeston Branch in Sikeston, Missouri, is full time, and is classified as an entry-level role. It reports to the Retail Branch Manager. The Personal Banker processes deposits, withdrawals, loan payments and payoffs, account changes, wire transfers, and other banking transactions. The role opens and services a range of deposit accounts and safe deposit boxes, establishes electronic banking services, assists with debit card and ATM issues, and provides notary services. It also performs teller and vault duties, maintains and balances cash, supports ATM operations, and follows applicable bank security, documentation, and regulatory procedures, including BSA requirements. The role identifies customers’ financial service needs, explains products and promotions, and cross-sells services while maintaining a professional and positive customer experience. The Personal Banker answers questions in person and by telephone, directs customers to appropriate colleagues when needed, assists co-workers with difficult inquiries, and may help train new tellers. The position has no supervisory responsibilities. Work may occasionally be required before or after normal business hours for 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 BSA regulations and understanding of regulatory compliance.
Ability to consistently and accurately balance cash and meet Bank-established sales goals.
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 basic arithmetic and calculate rates, ratios, and percentages, and to interpret bar graphs.
Ability to apply common sense 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.
Ability to be bonded by the Bank’s surety company.
Ability to meet the position’s physical demands, including occasionally lifting or moving up to 25 pounds.

Responsibilities

Provide professional, courteous customer service and maintain favorable customer and employee relations.
Process checking and savings transactions, loan payments and payoffs, and other customer transactions.
Open and service time and demand deposit accounts, certificates of deposit, IRAs, and safe deposit boxes; complete account transfers and required documentation.
Identify customers’ financial service needs, explain products and promotional services, and cross-sell Bank services to meet established sales goals.
Answer customer questions about accounts, statements, fees, interest, bank services, and procedures; refer complex matters to appropriate employees.
Receive and answer telephone inquiries about Bank transactions and services.
Maintain, verify, and balance cash drawers; manage working funds; assist with cash forecasting and vault opening and closing procedures.
Handle currency and coin, cashier’s checks, money orders, savings bond redemptions, currency transaction documentation, and night deposits using required dual controls.
Balance the ATM, replenish its cash supply, and ensure it is in working order.
Maintain teller supplies and assist with reconciling errors or discrepancies.
Follow Bank security, check-cashing, BSA, regulatory, and other established policies and procedures; maintain confidentiality of customer account information.
Assist customers with safe deposit box access and verify access authority and required controls.
Handle outgoing wire transfers, address and ownership changes, check orders, name changes, and notary services.
Establish electronic banking services, including Cash Management, and set up direct deposits and automatic debits.
Assist with debit card and ATM issues and customer checking account problems.
Accept and process safe deposit box payments, renewals, drilling fees, and lost key fees.
Provide assistance to co-workers with difficult internal problems or customer inquiries and may assist with training new tellers.
Work as a Personal Banker at any Bank location as needed.
Maintain job-related knowledge through seminars, conferences, workshops, and involvement in professional, civic, and community groups.
Conduct oneself professionally as a representative of the Bank.