Retail Banker I

VisionBank•Grimes, IA

About The Position

Provides a full range of banking services, including assessing and handling customer accounts, obtaining and processing customer account information, and cross-selling bank products and services. The Retail Banker I works to meet and exceed goals and expectations set by the Manager. The position has no supervisory responsibilities. The role opens and services customer accounts, processes transactions and account documentation, answers customer inquiries, and refers customers to appropriate bank products, services, and departments. It also performs branch opening and closing duties, supports cash and vault operations, and maintains security and compliance with applicable banking policies and regulations.

Requirements

High school diploma or GED.
Ability to read and comprehend simple instructions, short correspondence, and memos; write simple correspondence; and present information effectively in one-on-one and small-group settings.
Ability to add, subtract, multiply, and divide, and compute rates and percentages.
Ability to use common-sense reasoning to follow written, oral, or diagram instructions and address 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.
Available to work Monday through Friday and rotating Saturday mornings.
Reliable transportation and ability to drive to all bank locations using personal transportation.

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 and gather, enter, and verify customer information according to established procedures and security requirements.
Prepare and review new account paperwork, process initial deposits, and follow up on incomplete documentation.
Service IRA and HSA accounts, including handling inquiries and transactions, preparing documents, processing distributions and transfers, and informing customers about account rules and restrictions.
Complete certificate of deposit withdrawals and renewals, and contact customers about maturing CDs.
Respond to customer and staff questions and written or verbal inquiries; research questions about retail products and services.
Process check orders, deposits, withdrawals, debit card applications, online banking enrollments, bill pay setup, customer information changes, and government bond exchanges.
Maintain support records and stay informed about bank 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 by documenting and recording transactions, verifying cash and negotiable items, and obtaining proper customer identification.
Receive deposits, cash checks after verification, enter transactions into the computer system, issue receipts, and 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, ATMs, and night depository transactions as applicable.
Explain, promote, or sell bank products and services, and refer customers to other areas of the bank, including referring new business customers to a Commercial Relationship Banker.
Assist customers with service problems and inquiries in person and by telephone, and proactively answer calls routed through telephone work groups.
Manage debit card and credit card disputes promptly and correctly.
Adhere to state and federal banking regulations.
Participate in civic activities that support community growth and the bank's positive image.