TELLER

Southern Michigan Bank & Trust•Constantine Township, 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 approach; communicate regularly with a supervisor; manage time and workload effectively; meet departmental productivity standards; protect confidential bank and customer information; and participate in required staff and departmental meetings. Other duties may be assigned. The position performs daily teller duties while supporting customers throughout their banking relationship. This includes learning about customer needs, explaining and processing products and services, opening and closing accounts, assisting with consumer loan applications and closings, and referring customers to other bank services. The Teller also supports branch operations, marketing and business-development efforts, lobby management, and branch appearance standards. The role services and balances cash drawers and other branch equipment, handles cash shipments and designated checks and wires, and may open, close, and lead the branch when management is absent. It may also involve discussing and processing overrides for less experienced tellers and mentoring or training incoming Tellers or Universal Bankers. The employee must follow security, compliance, and regulatory requirements and complete required bank training. A high school diploma or GED is required. Cash handling, retail, or financial experience is preferred, and customer service experience is highly preferred. The role requires professional handling of confidential information, interpersonal and problem-solving skills, and the ability to interpret instructions and solve practical problems. The work environment is usually moderate or conversational in noise level.

Requirements

High school diploma or GED.
Ability to perform the essential duties 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 situations require.
Ability to solve practical problems in situations with limited standardization and interpret written, oral, diagram, 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 preferred.
Customer service experience highly preferred.

Responsibilities

Build and maintain customer relationships by providing high-quality customer service.
Assist customers throughout their banking relationship and perform normal daily teller duties.
Interview customers to identify their needs and proactively sell 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, help prepare 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 to support branch goals.
Resolve branch operations matters and support marketing initiatives.
Maintain a clean and professional work area, assist with lobby management, and ensure branch appearance standards are met.
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 and complete required bank training, including security, fraud, compliance, and customer service.
Maintain accurate records, confidentiality, professionalism, and adherence to organizational policies and procedures.
Communicate regularly with a supervisor, manage time and workload effectively, meet productivity standards, attend required meetings, and report to work prepared and on time.