Retail Banker

Farmers State Bank•Wolcottville, IN

About The Position

The Retail Banker provides prompt, courteous service to customers by processing transactions, answering questions, and referring customers to other departments. The role serves as the bank’s primary contact with the public, acts as a resource to other retail bankers, exercises operational authority within defined limits, and accurately maintains cash funds. The Retail Banker serves customers at the teller window, uses judgment within established limits when processing transactions, and meets with current or prospective customers to explain bank products. The position also handles account-opening and account-closing paperwork, verifies customer identification, and determines whether to accept new accounts based on the identification and credit report provided. The employee is trained on the bank’s Customer Acquisition and Growth program and performs duties aligned with it. Other duties include responding to customer and staff telephone inquiries, referring customers to relevant departments, selling money orders and cashier’s checks, processing cash advances, handling night-drop and mailed transactions, ordering business funds and foreign currency, and balancing cash drawers and ATM machines. Where assigned vault-teller responsibility, the role maintains vault cash and opens and closes the vault. The employee also balances ledger accounts as needed and performs other related duties as assigned. The position requires regular computer use and travel between branch locations. The work environment typically has light to moderate noise. Physical activities include sitting, standing, talking, hearing, walking, using and handling objects with the hands and fingers, and reaching with the hands and arms. Reasonable accommodations may be made for individuals with disabilities.

Requirements

High school education or equivalent.
Customer service skills in both telephone and face-to-face settings.
Ability to work within defined parameters and make decisions using provided guidelines.
Knowledge of bank products and services.
Knowledge of regulatory requirements related to cashing checks and processing other deposit and loan-payment transactions.
Ability to use a computer regularly.
Ability to travel between branch locations on a regular basis.

Responsibilities

Serve customers at the teller window and process a variety of transactions using judgment within established limits.
Meet with current or prospective customers and explain the benefits and features of bank products.
Stay informed about regulations and changes to robbery and branch physical-security practices.
Prepare forms for opening and closing checking, savings, certificate of deposit, and savings bond accounts.
Verify new customers’ identification and decide whether to accept new accounts based on the credit report and identification provided.
Perform duties aligned with the bank’s Customer Acquisition and Growth program.
Respond to telephone inquiries from customers and bank personnel about bank products and refer customers to other departments, including financial services and trust.
Sell money orders and cashier’s checks, and provide cash advances.
Process transactions received through the night drop or mail and send customers receipts.
Order funds for businesses, coins and bills, and foreign currency.
Balance the cash drawer and ATM machine.
When assigned vault-teller responsibility, maintain vault cash and open and close the vault daily.
Balance ledger accounts daily or as needed.
Recognize customer needs and refer customers to the appropriate department.
Perform other related duties as assigned.