Retail Banker I

VisionBank•Boone, IA

26d

About The Position

The Retail Banker I provides a full range of banking services by assessing and handling customer accounts, obtaining and processing account information, and cross-selling bank products and services. The role works to maintain and exceed goals and expectations set by the Manager. It has no supervisory responsibilities. The position serves customers with account opening and maintenance, deposits and withdrawals, certificates of deposit, IRA and HSA transactions, debit and credit card matters, online banking, bill pay, and other retail banking products and services. It also processes transactions, maintains documentation and support records, handles customer questions and service concerns, and supports branch operations while following established security procedures and applicable state and federal banking regulations. The role requires a high school diploma or GED. At least one year of banking experience is preferred. The employee must be available Monday through Friday and rotating Saturday mornings, and must have reliable personal transportation to travel to all bank locations. Work is performed in a generally moderate-noise environment. Physical demands include regular sitting, hand use, reaching, and talking or hearing; occasional standing, walking, climbing or balancing, and stooping, kneeling, crouching, or crawling; and occasional lifting or moving of up to 20 pounds.

Requirements

High school diploma or general education degree (GED).
Ability to read and comprehend simple instructions, short correspondence, and memos, and to write simple correspondence.
Ability to present information effectively in one-on-one and small-group situations to customers, clients, and employees.
Ability to add, subtract, multiply, and divide, and compute rates and percentages.
Ability to apply common-sense understanding to instructions and solve problems involving several concrete variables in standardized situations.
Knowledge of spreadsheet and word-processing software, the internet, and email.
Ability to make timely decisions using sound and accurate judgment.
Availability to work Monday through Friday and rotating Saturday mornings.
Reliable transportation and ability to drive to all bank locations using personal transportation.
Ability to perform the essential duties satisfactorily, with reasonable accommodations as applicable.
Ability to meet the described physical demands, including occasional lifting or moving of up to 20 pounds.

Nice To Haves

At least one year of banking experience is preferred.

Responsibilities

Open new accounts and cross-sell retail products and services based on customer needs.
Explain account options, including ownership, business, IRA, funeral agreement, savings, certificate, and checking account programs.
Gather, enter, and verify customer information and prepare and review account paperwork and related documents.
Receive and process initial deposits; verify cash transactions and the authenticity of negotiable items according to policy.
Refer new business customers to a Commercial Relationship Banker and make referrals to other areas of the bank.
Service IRA and HSA accounts, answer inquiries, process transactions and distributions, prepare account documents, verify annual reports and account coding, and process IRA transfer requests.
Complete certificate withdrawals and renewals, follow up on incomplete account documentation, and contact customers about maturing certificates of deposit.
Respond to customer and staff questions and written or verbal inquiries; research retail product and service issues.
Process and maintain check orders, deposits, withdrawals, debit card applications, internet banking enrollments, bill pay setup and questions, customer information changes, and government bond exchanges.
Maintain support records and keep informed about new and existing products and services.
Perform branch opening and closing duties and maintain the safe deposit area, including monitoring rentals and admitting authorized customers.
Maintain transaction security and documentation, obtain proper identification, verify cash transactions, and examine negotiable items according to procedures.
Receive checks and cash for deposit, verify amounts and endorsements, cash checks after verifying signatures and customer balances, record transactions in the computer, and issue receipts.
Image and batch daily transactions; notify the Retail Manager when an account hold is needed.
Order daily cash supplies, count incoming cash, and balance cash recyclers, drawers, vaults, checks, and other required items during and at the end of shifts.
Explain, promote, or sell products and services such as gift cards and cashier's checks, and assist customers with service problems or general inquiries in person and by telephone.
Remove deposits from and count and balance cash in ATMs and night depositories under dual control.
Adhere to state and federal banking regulations and participate in civic activities that promote community growth and a positive image of the bank.
Proactively answer incoming calls routed through telephone work groups and promptly manage customer debit and credit card disputes.
Demonstrate the listed competencies, including customer service, problem solving, communication, teamwork, judgment, organization, professionalism, dependability, initiative, adaptability, and attention to safety and security.