Retail Banker

Farmers State Bank•Wolcottville, IN

6d•$15 - $23

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, and exercises specified levels of operational authority. The Retail Banker accurately maintains a cash fund and performs customer-service and banking operations within defined guidelines. The position involves serving customers at the transaction window; discussing bank products with current and prospective customers; opening and closing accounts; handling customer inquiries; selling selected financial instruments and cash advances; processing night-drop and mail transactions; ordering cash and foreign currency; balancing cash drawers, ATMs, and ledger accounts; and, when assigned vault-teller responsibility, maintaining vault cash and opening and closing the vault. The employee must stay informed about relevant regulations and branch security changes and may travel between branch locations regularly.

Requirements

High school education or equivalent.
Customer service skills for both telephone and in-person interactions.
Ability to work within defined parameters and make decisions using provided guidelines.
Knowledge of bank products and services and regulatory requirements related to cashing checks and processing other deposit and loan-payment transactions.
Ability to travel between branch locations regularly.
Ability to meet the position’s physical demands, including sitting, standing, talking, hearing, walking, using hands and fingers, handling or feeling objects, and reaching with hands and arms.
Regular use of a computer.

Responsibilities

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