Overdraft Specialist

GENERAL FUNCTION:

Responsible for the review and management of accounts that go into overdraft within established overdraft limits.

Directs and manages the collection of outstanding overdraft amounts up to a specific time frame and to specific amounts and manages the placement into and removal from the overdraft shelter program within the CB&S Bank's guidelines. Applies a working knowledge of CB&S Bank operations principles and technologies to work performed. Works under limited supervision and in compliance with established policies, procedures and regulations. Work is routine in nature.

MAJOR DUTIES AND RESPONSIBILITIES:

• Directly responsible for administration of the Overdraft shelter program for all branches of CB&S Bank.
• Responsible for the accurate and timely processing of customer transactions and for accomplishing individual production goals and for minimizing potential losses in the overdraft shelter program.
• Reviews daily the report of overdrawn accounts and accounts reaching the time-period for overdraft shelter activation. Reviews decisions for items presented against insufficient funds and reviews accounts where items are to be returned unpaid for all branches. Notifies appropriate personnel of accounts where items are scheduled to be returned if it is believed that perhaps the items should be paid.
• Monitors accounts for depositing habits to ensure that CB&S Bank is protected from loss in the event a customer deviates from historical depositing habits.
• Extracts system reports and notifies customers via written and oral communications when overdraft amounts are not rectified in a timely fashion.
• Extracts system reports and notifies customers via written communication when accounts are to be removed from or placed back on the overdraft shelter.
• Assists the customer in establishing an agreement for the purpose of repaying any outstanding overdraft amounts.
• Works with customers regarding service issues.
• Must have extensive contact with account officers and collectors regarding account history, specific transactions and problem resolution.
• Refers accounts for external collections processing as required.

ADDITIONAL RESPONSIBILITIES:

• Requires the ability to interact effectively with all levels of bank personnel.
• All other duties assigned by the supervisor or Senior Management.

JOB QUALIFICATIONS:

• High school diploma or equivalent.

• Extensive knowledge of deposits and loans with a minimum of five years of bank operations experience and customer service experience.
• Proven knowledge of branch procedures and policies.
• Strong personal leadership and organizational skills.
• Must have excellent communication skills, both oral and written.
• Demonstrated ability to interact with customers, listen effectively and to communicate complex issues, both orally and written.
• Ability to analyze and summarize complex financial information, make presentations of that information, communicate its contents, and make recommendations for appropriate courses of action.
• Ability to communicate with the customers, perform repetitive motion tasks and commute between branches.
• Advanced math skills.
• Moderate keyboard skills at 40 wpm and 10-key by touch.
• Moderate PC skills including word processing, spreadsheet and on-line applications.

STANDARDS OF PERFORMANCE:

• Performs all areas of responsibilities so they are completed in a timely, accurate, and thorough manner.
• Acceptable attendance and reporting to work in a timely manner.
• Maintains positive work-environment with co-workers, vendors, and customers.
• Requires ability to work well with others.
• Must be alert in all job functions.
• Conducts customer relations in a manner that will enhance the overall marketing effort of the bank.
• Must be courteous and respectful of all customers and employees.
• All employees are expected to conduct themselves in a professional matter.
• Must follow all company policies and procedures and have the ability to implement said policies and procedures throughout branch personnel.
• Ability to maintain matters of a highly confidential nature.
• Honesty must be an essential ingredient in all matters.
• Attempts to return all phone calls the same day as they are received.