Retail Banking Specialist

First Bank & Trust•Milbank, SD

About The Position

The Retail Banking Specialist provides a superior service experience to First Bank & Trust guests by meeting and resolving their transactional needs promptly and efficiently. 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, including processing deposits, withdrawals, payments, and negotiable items, and maintains a balanced cash drawer. The role also assists with branch hardware servicing, supports account openings, advises clients on suitable solutions, and educates them about the bank’s products, services, and processes. The position includes monitoring deposit and credit portfolios for quality and risk, supporting collection efforts when necessary, and following bank policies, compliance procedures, and required training.

Requirements

High school diploma and at least one year of related experience, or equivalent.
Strong communication skills, including excellent verbal and written correspondence, effective listening, and responsiveness.
Personable and empathetic manner.
Collaborative approach and solution-driven problem-solving skills.

Nice To Haves

General understanding of and aptitude for sales.

Responsibilities

Provide a superior service experience that satisfies guests’ needs and reflects First Bank & Trust’s culture and commitment to the communities it serves.
Develop, maintain, and grow profitable relationships with new and existing clients while minimizing risk.
Perform general teller functions, including processing deposits, withdrawals, payments, and negotiable items.
Maintain a balanced cash drawer each day.
Recognize and promptly report suspicious transactions.
Assist in the daily servicing of branch hardware, including ATMs and/or TCRs.
Anticipate client needs and advise clients on solutions that benefit them.
Assist with opening new accounts and establishing new relationships.
Educate clients about the bank’s products, services, and processes to 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 within and outside the Retail business line to meet client needs.
Monitor deposit and credit portfolios for quality and potential risk.
Follow through on collection efforts when necessary, using legal means as required by Loan Policy and Guidelines.
Act in accordance with FBT policies and procedures in the employee handbook.
Follow compliance procedures and participate in required compliance training and meetings deemed appropriate by the supervisor.