Teller/Universal Banker

Southern Michigan Bank & Trust•Marshall, MI

10d

About The Position

This position delivers high-quality customer service by explaining and processing financial services, maintaining accurate records, and complying with organizational policies and procedures. The employee is expected to maintain a positive, respectful, and professional attitude; communicate regularly with a supervisor; manage time and workload effectively; meet or exceed departmental productivity standards; protect confidential company and customer information; attend required staff and departmental meetings; and perform other assigned duties. The Teller/Universal Banker handles daily teller and branch operations while serving customers across their banking relationship. The role includes identifying customer needs, explaining and processing bank products and services, helping customers with consumer loan applications and closings, and referring customers to other bank departments. The employee also supports branch business development, security and compliance, and branch coverage when management is absent. There are no supervisory responsibilities.

Requirements

High school diploma or GED.
Ability to perform the essential duties satisfactorily while maintaining confidentiality and professionalism.
Interpersonal and problem-solving skills.
Ability to provide positive, quality customer service to internal and external customers, with an open and willing-to-assist approach.
Ability to work beyond normal job duties when circumstances require.
Ability to solve practical problems in situations with limited standardization and interpret written, oral, diagram, or schedule-form instructions.
Ability to meet the physical demands of the position, including frequently lifting or moving up to 15 pounds and occasionally up to 25 pounds.
Ability to perform the visual requirements of the job, including close and distance vision, color vision, depth perception, and adjusting focus.

Nice To Haves

Cash-handling, retail, or financial experience is preferred.
Customer service experience is highly preferred.

Responsibilities

Build and maintain customer relationships by providing high-quality customer service.
Assist customers throughout their banking needs, acting as a full relationship manager.
Perform normal teller duties daily.
Interview customers to obtain information and proactively offer bank products and services, including checking, savings, individual retirement accounts, certificates of deposit, and savings bonds.
Open and close accounts using needs-based techniques.
Explain consumer loan options, assist with applications, and complete loan closings professionally and compliantly.
Explain electronic services, Wealth Management, and Commercial/Mortgage loan services, and make referrals to those departments when possible.
Participate in outbound calling and business development efforts to support branch goals.
Resolve branch operations matters and support marketing initiatives.
Maintain a clean, professional work area and assist with lobby management and branch appearance standards.
Service, audit, and balance drawers, vaults, TCRs, PTM, coin machines, and other branch technology within established guidelines.
Prepare, verify, and order incoming and outgoing cash shipments.
Prepare and sign cashier’s checks, loan checks, and wires within assigned limits.
Open, close, and lead the branch in the absence of management.
Discuss and process overrides for less experienced tellers.
Mentor and train incoming Tellers/Universal Bankers.
Follow security, compliance, and regulatory requirements.
Complete required bank training, including security, fraud, compliance, and customer service.
Maintain confidentiality and professionalism, communicate regularly with a supervisor, manage time and workload, and attend required meetings.