Senior Financial Services Representative

SmartBank • Chattanooga, TN

1d • Hybrid

About The Position

Looking to join a Great Place to Work Employer and become a valued member of our growing team? At SmartBank, we're not just offering a job; we're inviting you to be a part of a culture built on excellence. SmartBank delivers high-touch banking solutions to commercial businesses and consumers across the Southeast. Headquartered in Knoxville, Tennessee, SmartBank operates as a subsidiary of SmartFinancial, Inc. (NYSE: SMBK), a financial holding company with assets exceeding $5 billion. At the heart of SmartBank’s success is a commitment to creating ‘WOW’ experiences—for both clients and team members. This people-first culture has earned national recognition, including placement on FORTUNE’s 2025 Top 100 Best Workplaces list and Great Place To Work® certification, reinforcing SmartBank as an employer of choice in the markets we serve. Drawing on decades of collective banking experience, SmartBank’s leadership has embedded “Smart” business practices throughout the organization, including rigorous credit underwriting, holistic relationship management, and a focus on attracting and retaining top-tier talent. Guided by these principles, SmartBank has grown into a respected, high-performing financial institution trusted by the communities it serves.

Requirements

• High school diploma required.
• Six months of banking experience which includes new account opening experience, completion of Cash Vault custodian duties, and completion of ATM custodian duties.
• Ability to apply general accounting knowledge (debits, credit, balancing) to processes.
• Ability to cross-sell banking products and services.
• Ability to apply knowledge and sound judgment in decision-making using established guidelines.
• Cash handling experience.
• Thorough knowledge of various Teller Drawer equipment (PODs, Recyclers, traditional cash drawers, etc.).
• Proficient level of computer competency including Microsoft Windows (Word, Excel, Outlook), typing and ten-key proficient.
• Strong math skills.
• Strong written and oral communication skills.
• Detail oriented and ability to function in a team environment.
• Demonstrates ability to maintain a positive attitude.
• High level of integrity.
• Able to maintain regular and predictable attendance.
• Willing to accept new ideas and methods and be agreeable to change.

Nice To Haves

• Bachelor's degree preferred.
• Demonstrated ability to handle multiple priorities under time constraints.
• Excellent verbal and written communication skills.
• Ability to respond in a professional manner with a high level of service quality.
• Experience with discussing, recommending, and selling various deposit, credit and retirement products to consumer and small business clients.
• Demonstrated ability in meeting or exceeding sales goals.

Responsibilities

• Upholds SmartBank Core Values and Core Purpose. Adheres to and embraces the SmartBank Way by Acting Smart, Looking Smart and Being Smart.
• Actively participates in and assists with the scheduling of daily Lobby Management duties to include greeting clients, offering hospitality items, and making warm introductions.
• Serves as the Bank's primary contact with its clients, both in providing services and in routing inquiries to appropriate personnel.
• Accurately receives deposits and payments for all types of SmartBank accounts, verifies cash and negotiability of checks and issues receipts, giving credit for funds according to Bank policies.
• Provides clients with account information.
• Cashes checks and accepts withdrawal requests in accordance with Bank policies, referring questionable transactions to supervisor for approval.
• Answers telephone inquiries.
• Directs questions to appropriate Branch or Department personnel.
• Researches and resolves client issues.
• Opens accounts for new and existing clients, accurately, efficiently and in compliance with SmartBank’s policies and procedures
• Provides special services as needed; including, redeeming US Savings Bonds, issuing Official Checks, coin deposits and coin orders.
• Processes night deposits.
• Assists with ATM balancing.
• Processes client account maintenance requests (i.e., Change of address, stop payments, etc.) in a timely manner.
• Adheres to SmartBank’s Bank Secrecy Act and Anti-Money Laundering policies and procedures, completing required paperwork when applicable.
• Processes payments for local utilities, and other services.
• Ensures that payment information is transmitted to appropriate agencies by daily cut-off.
• Balances and processes daily work.
• Follows all security policies and procedures.
• Reports any discrepancies or suspicious activity to the Assistant Financial Center Manager, Financial Center Manager or Security Officer.
• Protects SmartBank’s financial interest by controlling and balancing assigned cash drawer and negotiable items received/disbursed.
• Maintains an acceptable balancing record per established standards.
• Actively participates in the opening/closing procedures of the branch to accommodate dual control.
• Acts as branch resource for all FSR activity, answering questions and finding solutions to client issues.
• Maintains Vault controls and ensures dual control compliance in absence of the Vault FSR.
• Always maintains client confidentiality.
• Takes responsibility for achieving objectives, and is accountable for his/her results, actions and decisions.
• Complies with all applicable federal, state, and local banking and industry related laws and regulations including but not limited to the Bank Secrecy Act.
• Performs other duties as assigned.

What This Job Offers

• Job Type: Full-time
• Career Level: Senior
• Education Level: High school or GED