Teller

Southern Michigan Bank & Trust•Centreville, MI

About The Position

The Teller delivers high-quality customer service by explaining and processing financial services, maintaining accurate records, and following organizational policies and procedures. The role builds customer relationships and serves as a full relationship manager, handling routine teller duties while identifying customer needs, explaining products and services, and making referrals. The employee is expected to maintain confidentiality and professionalism, manage workload and time effectively, meet departmental productivity standards, communicate regularly with a supervisor, attend required meetings and training, and perform other assigned duties. The Teller supports branch operations, including balancing and servicing cash and branch technology, handling cash shipments and certain checks and wires within assigned limits, maintaining branch appearance, and supporting marketing and business development initiatives. The role may open, close, and lead the branch in management’s absence and mentor or train incoming Tellers or Universal Bankers. There are no supervisory responsibilities. The work environment has a usually moderate, conversational noise level. The job regularly requires talking or hearing; frequently requires sitting, handling objects, and reaching; and occasionally involves standing, walking, climbing or balancing, and various kneeling or crouching movements. The employee frequently lifts or moves up to 15 pounds and occasionally up to 25 pounds.

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 and work beyond normal duties when circumstances require.
Ability to solve practical problems involving limited standardization and interpret written, oral, diagrammatic, or schedule-based instructions.
Ability to meet the stated physical demands, including frequent lifting or moving of up to 15 pounds and occasional lifting or moving of up to 25 pounds.

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 interactions, serving as a full relationship manager.
Perform routine teller duties.
Interview customers to understand their needs 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 when possible.
Participate in outbound calling and business development efforts supporting 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 during management’s absence.
Discuss and process overrides for less experienced tellers.
Mentor and train incoming Tellers or 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 effectively, meet productivity standards, attend required meetings, and perform other duties as assigned.