TELLER

Southern Michigan Bank & Trust•Hillsdale, 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 is expected to maintain a positive, respectful, and professional attitude; communicate regularly with a supervisor; manage time and workload effectively; report to work prepared and on time; meet or exceed departmental productivity standards; and protect confidential information about SMBT operations and customers. The employee participates in required staff and departmental meetings and performs other duties as assigned. The position combines daily teller operations with relationship-focused service and sales. The Teller interviews customers to understand their needs, explains bank products and services, supports account opening and closing, helps customers with consumer loan applications and closings, and makes referrals to other bank services when appropriate. The role also supports business development, branch operations, lobby management, marketing initiatives, and branch technology and cash controls. It may lead the branch during management absences, handle assigned overrides, and mentor or train incoming Tellers and Universal Bankers. The position has no supervisory responsibilities.

Requirements

High school diploma or GED.
Ability to perform each essential duty satisfactorily and maintain confidentiality and professionalism.
Interpersonal and problem-solving skills.
Ability to work positively with internal and external customers and assist beyond normal duties as circumstances require.
Ability to solve practical problems and deal with concrete variables where standardization is limited.
Ability to interpret written, oral, diagrammatic, or schedule-based instructions.
Ability to meet the physical demands described, including frequently lifting or moving up to 15 pounds and occasionally 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 through high-quality service.
Assist customers throughout their banking interactions, acting as a full relationship manager.
Perform normal daily teller duties.
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 during management absences.
Discuss and process overrides for less experienced tellers.
Mentor and train incoming Tellers and 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 workload effectively, meet productivity standards, and attend required meetings.