Senior Financial Services Representative

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.

Major Duties and Responsibilities:

Core Values & Culture Commitment:

• Upholds SmartBank Core Values and Core Purpose.
• Adheres to and embraces the SmartBank Way by Acting Smart, Looking Smart and Being Smart.

Client Services & Transactions:

• 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.

Operations, Compliance & Support:

• 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.

Position Requirements and Qualifications:

Education:

High school diploma required. Bachelor's degree preferred.

Preferred Qualifications:

• 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.

Training Requirements (licenses, programs, or certificates):

None

Knowledge, Skills and Abilities:

• Excellent customer service skills.
• 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.

Work Conditions:

• Able to routinely stand, sit, bend and stoop.
• Occasionally lift or carry loads up to 40 pounds.
• Ability to stand for long periods of time as needed.
• Frequently and regularly required movements using wrists, hands, and/or fingers.
• Average, ordinary, visual acuity necessary to prepare and inspect documents or products and operate machinery.
• Ability to hear average or normal conversations and receive ordinary information.
• May be required to travel to various branch locations.
• Must be available to work the required schedule of the branch office to include Saturdays.
• May be required to travel to training sessions or meetings.