Retail Banking Specialist

First Bank & Trust•Milbank, SD

About The Position

The Retail Banking Specialist provides a superior service experience to all guests of First Bank & Trust, meeting and resolving transactional needs in a timely and efficient manner. The role develops and maintains client relationships, manages client needs, recognizes opportunities, and offers solutions while putting people first. The specialist performs general teller functions, supports account opening and relationship development, educates clients about the bank’s products and services, and helps maintain branch hardware. The role also involves monitoring deposit and credit portfolios for quality and risk, reporting suspicious transactions, and following applicable bank policies, compliance procedures, and loan guidelines.

Requirements

High school diploma and a minimum of one year of related experience, or equivalent.
Strong communication skills, including excellent verbal and written correspondence, effective listening, and responsiveness.
Personable, empathetic, collaborative, and solution-driven problem solver.

Nice To Haves

A general understanding of and aptitude for sales.

Responsibilities

Provide a superior service experience consistent with First Bank & Trust’s culture and commitment to the communities it serves.
Develop, maintain, and grow profitable new and existing relationships while minimizing risk.
Perform teller functions, including processing deposits, withdrawals, payments, and negotiable items.
Maintain a balanced cash drawer each day.
Recognize and promptly report suspicious transactions.
Assist with daily servicing of branch hardware, including ATMs and/or TCRs.
Anticipate client needs and advise clients on personally beneficial solutions.
Assist with opening new accounts and establishing new relationships.
Educate clients about the bank’s products, services, and processes that meet client and community needs.
Seek direction from the Retail Banking Supervisor and/or Retail Branch Manager to align daily work with organizational goals.
Build relationships and collaborate with colleagues inside and outside the Retail business line to meet client needs.
Monitor deposit and credit portfolios for quality and potential risk.
When necessary, follow through on collection efforts using legal means as required by Loan Policy and Guidelines.
Follow FBT policies and procedures in the employee handbook.
Adhere to compliance procedures and participate in required compliance training and meetings deemed appropriate by a supervisor.