Retail Banker III - Clive | Banker in Banking Job Job at Visionbank in Clive IA | 7116911873

This listing was posted on ApplicantPro.

Retail Banker III - Clive

Location:

Clive, IA

Description:

Summary: Oversees the daily operations of the branch retail staff, under the direction of the branch manager, and is responsible for the management of the retail side of the branch in the absence of the Branch Manager. These activities are to be conducted in accordance with policies accepted by the bank to provide a secure pleasant atmosphere where customers will receive prompt accurate service extended in a friendly professional manner. Must be a leader in promoting high morale, in exhibiting positive attitudes toward customers and with fellow employees, instilling a sense of team spirit, and support company initiatives. Provides a full range of banking services; assessing and handling customer accounts, obtaining and processing customer account information, and cross selling bank products and services. Strives to maintain and exceed goals & expectations set for this position by the Manager. Essential Duties and Responsibilities include the following. Other duties may be assigned. 1. Responsible for the daily operations of the branch staff.a. Oversees and directs workflow for the teller and retail banker staff.b. Monitors teller and retail banker performance including, but not limited to, cash differences, transactions, balancing of ATMs, proof errors, customer satisfaction, sales, and referrals.c. Serves as the primary contact person in the branch regarding operational and customer service issues.d. Assists branch manager with various audit, security, and compliance controls.e. Ensures that bank policies and practices are being followed.2. Assists retail manager in managing branch staff to achieve established objectives.a. Provides input regarding selection of new employees, salary increases, promotions, disciplinary actions, and terminations.b. Works with retail manager in setting performance standards, gives ongoing feedback and assists in the completion of employee performance appraisals.c. Assists retail manager with scheduling, training, and the evaluation of staffing levels.3. Develops new business and expands existing relationships.a. Participates in civic and community activities to generate visibility and contact for the bank.b. Calls on customers and prospective customers to promote new business opportunities.4. Originates consumer loansa. Accepts consumer loan applications and reviews for completeness.b. Extends credit within specific lending authority.c. Provides HELOC, consumer, installment, and some residential lending services in compliance with bank policies, procedures, and regulations.d. Maintains quality loan portfolio, meeting that bank's prescribed objectives regarding loan growth, past dues, charge offs, and non-accruals.e. Works directly with the credit department in collection efforts.5. Opens new accounts and cross-sells additional retail products and services.a. Initiates discussion to determine customer needs.b. Sells additional products and services through cross-selling, portfolio development and focusing on the customer's needs.c. Explains various account options such as account ownership, business, IRA, funeral agreement accounts, savings, certificates, and checking account programs to customers.d. Gathers, inputs, and verifies required personal information from customers, such as name, address, date of birth, employment information, social security number, etc., according to established procedures while maintaining the highest level of securitye. Prepares and reviews new account paperwork with customer.f. Receives and processes initial deposits for new account opening. Verifies all cash transactions and ensures authenticity of all negotiable items before acceptance according to policies and procedures.g. Refers new business customers to Commercial Relationship Banker for additional bank services.h. Understands and follows the policies and procedures for new & existing customers and working to cross sell and refer all banking products and services, including to other lines of business.6. Services IRA and HSA Accounts.a. Completes withdrawal requests and renewals on certificates of deposit.b. Handles Individual Retirement Account and Health Savings Account (HSA) inquiries and transactions.c. Informs customers of retirement account rules and restrictions.d. Gathers and inputs necessary personal information from customers.e. Prepares documents such as plan agreement, disclosure statements, CDs, signature cards, etc.f. Verifies annual retirement account reports to customers. Processes IRA distributions and verifies coding of accounts.g. Processes mail requests from other financial institutions for IRA transfers.7. Responds to questions from customers and staff regarding retail bank products and services.a. Responds to written and verbal requests or inquires. Researches customer and employee inquiries regarding retail bank product and services.b. Processes and maintains check orders, deposits, withdrawal, debit card applications, internet banking enrollments, and bill pay set up and questions.c. Keeps informed of new and existing products and services.d. Processes customer change of address, name, and account related data, etc.e. Completes documentation for exchange of government bonds.8. Maintains support records.a. Follows up on incomplete new account documentation.b. Make courtesy phone call to maturing CD customers.9. Performs all required branch opening and closing duties.10. Maintains the safe deposit area. Duties include monitor safe deposit rental, admitting valid customers to safe deposit boxes.11. Maintain the highest level of security in performing transactions by making sure all transactions are properly documented and recorded, verifying cash transactions, determining authenticity of all negotiable items before acceptance to established policies and procedures, and receiving proper identification to verify customer information.12. Receives checks and cash for deposit, verifies amount, and examines checks for endorsements.13. Cashes checks after verification of signatures and customer balances.14. Enters customers' transactions into computer to record transactions, and issues computer generated receipts.15. Images and batches daily transactions16. Notifies the Retail Manager to place hold on accounts.17. Orders daily supply of cash and counts incoming cash.18. Balances cash recycler/cash drawer, vault, checks and other required items throughout and at end of shift and compares totaled amounts with computer data.19. Maintain knowledge of various departments' services and functions to assist customers and make sales referrals.20. Explains, promotes, or sells products or services such as gift cards, cashier's checks, and other bank products, which will meet customer needs and increase bank business.21. Removes deposits from, and counts and balances cash in, automated teller machines and night depository under dual control.22. Assists customers with service problems or general inquires both in person and telephone while strengthening customer relations.23. Proactively answers incoming phone calls routed through telephone work groups.24. Actively makes referrals to all areas of the bank.25. Promptly and correctly manage customer debit card and credit card disputes.26. Adheres to all State and Federal Banking regulations. Supervisory Responsibilities Assists the retail manager in managing the branch retail staff. Assists in carrying out leadership responsibilities in accordance with the organization's policies and applicable laws. Responsibilities include assisting with interviewing, and training employees; planning, assigning, and directing work; addressing complaints and resolving problems. Qualifications To perform this job successfully, an individual must be able to perform each essential duty satisfactorily. The requirements listed below are representative of the knowledge, skill, and/or ability required. Reasonable accommodations may be made to enable individuals with disabilities to perform the essential functions. Education and/or Experience High school diploma or general education degree (GED). Must have at least two years of retail banking experience and prior consumer lending experience. Prefer management experience. Language Skills Ability to read and comprehend simple instructions, short correspondence, and memos. Ability to write simple correspondence. Ability to effectively present information in one-on-one and small group situations to customers, clients, and other employees of the organization. Mathematical Skills Ability to add, subtract, multiply, and divide. Ability to compute rate and percent. Reasoning Ability Ability to apply common sense understanding to carry out instructions furnished in written, oral, or diagram form. Ability to deal with problems involving several concrete variables in standardized situations. Computer Skills To perform this job successfully, an individual should have knowledge of Spreadsheet software, Word Processing software, Internet, and e-mail. Other Skills and Abilities Must be able to make timely decisions exhibiting sound and accurate judgment. Other Qualifications Must be available to work Monday-Friday during branch hours.Must have reliable transportation and be able to drive to all bank locations using own transportation. Physical Demands The physical demands described here are representative of those that must be met by an employee to successfully perform the essential functions of this job. Reasonable accommodations may be made to enable individuals with disabilities to perform the essential functions.While performing the duties of this Job, the employee is regularly required to sit; use hands to finger, handle, or feel; reach with hands and arms and talk or hear. The employee is occasionally required to stand; walk; climb or balance and stoop, kneel, crouch, or crawl. The employee must occasionally lift and/or move up to 20 pounds. Specific vision abilities required by this job include close vision and distance vision. Work Environment The work environment characteristics described here are representative of those an employee encounters while performing the essential functions of this job. Reasonable accommodations may be made to enable individuals with disabilities to perform the essential functions.The noise level in the work environment is usually moderate.VisionBank is an Equal Opportunity Employer and all qualified applicants will receive consideration for employment without regard to race, color, religion, national origin, ancestry, pregnancy status, sex, age, marital status, medical conditions, sexual orientation, gender identity or expression, veteran and/or disability status.

Company:

Visionbank

Posted:

December 26 2023 on ApplicantPro

Visit Our Partner Website

This listing was posted on another website. Click here to open: Go to ApplicantPro

Important Safety Tips

Always meet the employer in person.
Avoid sharing sensitive personal and financial information.
Avoid employment offers that require a deposit or investment.

To learn more, visit the Safety Center or click here to report this listing.