Teller/Personal Banker ll

At American Bank, we’re focused on building personal connections with our clients, delighting them with our service, and providing a full range of forward-thinking products and solutions built around their specific goals.

We’re growing and we need talented, smart, and dedicated professionals to help us continue expanding. If you’re interested in forming lasting client relationships and working with the best bankers in the Lone Star State, let’s talk.

We're looking for a Teller/Personal Banker II to provide excellent client services by processing both business and individual banking transactions and cross-selling bank services. This position is also responsible for effectively promoting and selling all retail products and services, providing all aspects of client service, and developing strong, personal, multiple product relationships with clients. This position must be able to work at different branch locations as business needs dictate.

Essential Duties & Responsibilities:

Sales and Services

• Delight clients by being attentive to their banking needs
• Answer questions providing accurate information or making the proper referral if necessary
• Develop strong relationships with clients ensuring client onboarding actions are followed (
• Develop new account relationships with prospective clients (business development contacts)
• Be proactive in assisting clients in establishing electronic services such as online banking, eStatement and mobile deposit
• Engage in learning and becoming familiar with American Bank subsidiary products and services – looking for and recognizing opportunities to refer clients, based on their financial needs, to the appropriate individuals and referring products and services
• Follow and use onboarding tools to provide above and beyond service and exceed clients’ expectations

Teller

• Delight clients by being attentive to their banking needs
• Process various teller transactions
• Manage and balance drawer
• Process Domestic and Foreign wire transfers
• Accept and process items to be sent for collection
• Assist as needed with vault duties, safe deposit box access for clients, and/or as needed in the branch
• May be responsible for Bank opening and closing
• Answer client inquiries and refer clients to the proper service area for complex issues
• Remain alert to fraud, following established procedures and utilizing available tools
• Maintain the highest-level confidentiality with all information obtained
• Represent the Bank in a manner that maintains and expands positive relations with all clients, potential clients, and co-workers
• Maintain strict adherence and compliance to all laws, rules, regulations, and internal controls, including but not limited to: Bank Secrecy Act, Anti-Money Laundering, USA Patriot Act, and Fair Lending regulations.
• Perform additional duties and special projects as assigned

Personal Banker

• Delight clients by being attentive to their banking needs
• Open new accounts (matching needs with appropriate products)
• Process consumer loan applications (including the initial interview and the denial or the approval, loan closing/funding)
• Answer client questions providing accurate information, resolving client issues, or making the proper referral if necessary
• Remain alert to possible fraud situations - Act promptly to safeguard bank and client assets when questionable transactions are requested by existing or potential clients
• Provide notary services
• Call clients regarding overdrawn accounts
• Have a general understanding of the operations of electronic banking products
• Ability to work at different branches
• Order or instant issue debit cards
• Order check and deposit slips
• Assist clients with Safe Deposit Box services
• Request OFAC inquiries
• Assist clients with FDIC guidelines
• Process transaction disputes
• Process domestic and foreign wire transfers
• Complete Closed Account forms
• Complete Change of Address forms
• Address exception items in a timely manner

Miscellaneous

• Prior to changing, altering or releasing any account information, responsible for authenticating the client’s identity and their authorization to act on behalf of the account as stated on the account’s signature card contract
• Actively participate in training and meetings
• Provide on-the-job training to new hires
• Performs additional duties and special projects as assigned
• Ability to carry a teller cash drawer
• Ability to carry coin and large bags of currency
• Ability to sit and/or stand for extended periods of time
• Restock supplies as needed (example: water, paper, etc.)
• Observe clients carefully as they enter and exit the bank doors

Qualifications

• Minimum of three years' experience as a Teller/Personal Banker preferred
• Extensive cash handling and balancing experience preferred
• Previous new accounts or Personal Banker experience preferred
• Exude qualities that are consistent with our values
• Excellent client service skills including attentiveness, information retention, tact and diplomacy
• Have a clear understanding of all products, services, and banking policies
• Reflect our culture of excellence by adhering to professional image at all times (business attire and professional communication etiquette)
• Proficiency with computers, telephone and other office machinery
• Thorough knowledge, comprehension, and benefits of all retail policies and procedures
• Pro-active personality (ability to seek out and ask for business instead of waiting for it to come)
• Excellent written and oral communication skills
• Familiar with retail banking regulations and responsibilities
• Ability to work in a fast-paced environment and under pressure as needed
• The ability to make sound decisions, this may include the ability to make on-the-spot decisions regarding client transactions; weighing client satisfaction issues with the Bank’s exposure to loss or fraud and the ability to think through and rationalize decisions
• Flexible regarding scheduling
• Available to work Saturdays
• Strong detail and analytical skills
• Ability to prioritize and multitask, and focus on detail
• High school graduate or equivalent