Job Description

Banking Services Associate

The Banking Services Associate provides essential support to banking staff and customers in the daily operations of the bank branch. This role focuses strongly on building banking knowledge, providing an entry-level opportunity for hands-on learning and experience with customer transactions, bank products, and service.

The ideal candidate for this role should have a true desire to grow their knowledge and help others reach their financial goals. With professional communication abilities, a customer-service disposition, and a positive attitude, the Banking Services Associate provides support for a variety of tasks in a fast-paced environment.

Continually advancing their knowledge of banking and the company's specific products, policies, and processes, the Banking Services Associate works alongside Relationship Bankers to provide exceptional service and process customer transactions. This associate contributes greatly to the bank's success, participating in mentoring and career growth programs to advance their knowledge and, ultimately, their career within the organization.

All employees are expected to protect the information and assets of the organization through heightened awareness of information security, cybersecurity, and risk management best practices, as well as complying with all applicable laws, regulations, and organizational policies.

Essential Duties

• Learn to process deposits, withdrawals, and cash checks efficiently.
• Gain experience with money orders and cashier's checks, and balance assigned cash drawer at the end of each shift.
• Greet customers warmly and assist them with their inquiries.
• Provide clear and helpful information about bank products and services, developing problem-solving skills by resolving basic customer issues and/or escalating as appropriate.
• Keep accurate records of all transactions.
• Learn to log checks and prepare detailed transaction reports.
• Gain hands-on experience counting and packaging currency; build attention to detail by reconciling cash drawers and reporting discrepancies.
• Observe and assist Relationship Bankers with opening new accounts and processing loan applications.
• Learn the basics of loan information to help guide customers.
• Inform customers about additional bank services like loans, credit cards, and savings accounts.
• Develop sales skills by cross-selling bank products to meet customer needs.
• Identify opportunities to refer customers to the appropriate banking staff.
• Promote special offers and new products.
• Direct customers to the right department or specialist for more complex inquiries.
• Learn to manage and prioritize customer inquiries to ensure timely and effective resolution.
• Participate actively in training sessions to understand bank policies and procedures.
• Shadow experienced Relationship Bankers to gain practical, hands-on experience and continuously improve skills.
• Adhere to all bank policies, regulations, and laws, ensuring all activities are compliant.
• Assume responsibility for additional projects and tasks as assigned.

Education and Certifications

High school diploma or equivalent required.

Minimum Requirements

• Excellent communication skills and the ability to communicate effectively, verbally and in writing, with internal and external customers at all levels.
• A positive and proactive approach to work, demonstrating enthusiasm, adaptability, and the ability to maintain composure and professionalism in stressful or adverse conditions.
• Ability to identify and pursue sales opportunities by understanding customer needs and recommending appropriate products and services.
• Critical-thinking skills and the ability to analyze data, drawing informed conclusions.
• Strong organizational and time management skills to handle multiple tasks, prioritize work, and meet deadlines.
• Mathematical proficiency and the ability to quickly and accurately complete standard calculations.
• Proficient computer literacy, including comfort with Microsoft systems and Office Suite.
• Intermediate typing skills to meet the needs of this position.
• Current driver's license and reliable transportation with appropriate insurance coverage; additionally, the ability to drive occasionally in the course of performing assigned duties and responsibilities.
• Ability to work weekends, holidays, and at other locations as needed.
• The ability to work with minimal or no supervision.

Additional Qualifications

Direct experience in customer service preferred.

Physical Demands and Work Environment

The physical demands described here are representative of those that must be met by an employee to successfully perform the essential functions of this position. Reasonable accommodations may be made to enable individuals with disabilities to perform the functions.

While performing the duties of this position, the employee is regularly required to talk or hear. The employee frequently is required to use hands or fingers; handle or feel objects, tools, or controls. The employee is occasionally required to stand; walk; sit; and reach with hands and arms. The employee must occasionally lift and/or move up to 25 pounds. Specific vision abilities required by this position include close vision, distance vision, and the ability to adjust focus. The noise level in the work environment is usually low to moderate.

Note: This job description in no way states or implies that these are the only duties to be performed by the employee(s) incumbent in this position. Employees will be required to follow any other job-related instructions and to perform any other job-related duties requested by any person authorized to give instructions or assignments.

All duties and responsibilities are essential functions and requirements and are subject to possible modification to reasonably accommodate individuals with disabilities. To perform this job successfully, the incumbents will possess the skills, aptitudes, and abilities to perform each duty proficiently. Some requirements may exclude individuals who pose a direct threat or significant risk to the health or safety of themselves or others. The requirements listed in this document are the minimum levels of knowledge, skills, or abilities. This document does not create an employment contract, implied or otherwise, other than an "at will" relationship. The company is an Equal Opportunity Employer, drug-free workplace, and complies with ADA regulations and other laws/regulations as applicable.

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