Overdraft Clerk

 

 

 

 

This position is responsible for managing and reviewing, within established guidelines, overdrawn accounts as well as applying overdraft policies and procedures to all new accounts. Prepares monthly overdraft reports. Responsible to accurately post file maintenance /changes to existing deposit accounts through the host system. The position requires a working knowledge of all bank products as data entry applies to each, including but not limited to policies, procedures, rules and regulations that govern account requirements. 

 

 

Other duties may be assigned.

 

Reviews Deposit Accounts that go into overdraft both within established overdraft limits and in excess of those limits. Ensures accurate and timely processing of overdraft accounts, proper reporting of Charged off accounts to reporting bureaus.

 

Enters data entry from a variety of documents which includes file maintenance, monetary transactions on the bank’s on-line system in a timely and accurate manner. Uses reference manuals, training tools, established policies and procedures provided by management along with knowledge of the on-line system to make appropriate file maintenance changes to customer account records.   

 

Processes return items electronically through the Core Processor.

 

Reviews new and existing accounts for applying overdraft Privileges to accounts within established guidelines as required in a timely manner.

 

Prepares letters regarding overdraft accounts. 

 

Prepares a variety of forms, tickets, documentation.         

 

Prepares Monthly Double Check Report

 

Prepares New Account Letters Daily

 

Do Not Call Report Quarterly

 

Prepares Various Tickets for Deluxe

 

 

This position has no supervisory responsibilities.                                                             

 

 

To perform the job successfully, an individual should demonstrate the following competencies:

 

 

Listens and gets clarification; Responds well to questions.

 

 

Writes clearly and informatively; Edits work for spelling and grammar; Presents numerical data effectively; Able to read and interpret written information.                                        

 

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.

 

 

High school diploma or general education degree (GED) and two to four years of experience/training; or equivalent combination of education and experience.                                                         

 

 

Ability to read and comprehend instructions, correspondence, memos, and regulations that apply to their work. Ability to write correspondence and complete a variety of tickets with legible handwriting and an understanding of how the tickets affect the General Ledger or other accounts (exp. DD / Sav. / CD’s, Etc.). Ability to effectively present information in a one - to - one situation to employees and customers.

 

 

Ability to add, subtract, multiply, and divide. Ability to compute rate and percent.                                           

 

 

Ability to apply common sense understanding to carry out instructions furnished in written, oral, or diagram (such as workflows) form. Ability to problem solve in a variety of situations by researching errors and applying learned skills to correct or explain.

 

 

Computer skills including the ability to operate a keyboard/typewriter and mouse. Effective use of telephone. Proficient in Microsoft Excel and word.

                                               

 

 

 

 

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 and use hands and sight to process or look up information; required to be able to sit for long periods of time and look at an angle. The employee must occasionally lift and / or move up to 10 pounds.

 

 

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.