FSR/Personal Banker

The position of Financial Services Representative I is responsible for processing all new account transactions by assisting customers in their selection of various accounts and financial services through effective cross-selling of the Bank’s products and services.

·        Assists consumer and business customers in their selection of various accounts, products, and financial services available from the Bank.

·        Interview’s customers to obtain information; establishes proper identification of new customers; and determines need and extent of reference investigation.

·        Discusses, prepares, and processes documents related to the Bank’s electronic banking services.

·        Makes decisions regarding the opening of new deposit accounts; assigns account numbers; completes forms requiring customer signature(s); accepts initial deposits; and prepares all documents and items pertaining to checking accounts, savings accounts, and certificates of deposit for processing.

·        Operates assigned computer to process account activity, determine balances, and resolve problems within given authority.

·        May represent the Bank in various community, civic, and community reinvestment functions to further enhance the Bank’s image and develop additional business.

·        Provides effective customer service by answering customer questions; investigates and corrects errors; and resolves problems or other issues.

·        Issues official checks, money orders, other negotiable items as well as processing stop payments and hold orders.

·        Performs safe deposit duties by opening accounts, controlling access, assisting customers and processing affiliated reports.

·        Presents funds received from customer to teller for initial deposits; determines funds availability and obtains receipt for customer.

·        Processes wire transfers, credit card orders, address changes, check and deposit slip orders, endorsement stamp orders, debit card orders and performs file maintenance as required.

·        Records, files, scans documents, updates information and sorts mail or reports as required.

·        Answers telephones and directs callers to proper Bank personnel.

·        May assist in opening and closing the vault daily; assists in balancing vault currency and coin.

·        Cross-trains less experienced branch personnel.

·        Treats people with respect; keeps commitments; Inspires the trust of others; works ethically and with integrity; upholds organizational values; and accepts responsibility for own actions.

·        Demonstrates knowledge of and adherence to Equal Employment Opportunity (EEO) policy; shows respect and sensitivity for cultural differences; educates others on the value of diversity; promotes working environment free of harassment of any type; and builds a diverse workforce and supports affirmative action.

·        Assures compliance with all Bank policies, procedures and processes, and all applicable state and federal banking laws, rules, and regulations, and adheres to Bank Secrecy Act (BSA) responsibilities that are specific to the position.

·        Performs the position safely, without endangering the health or safety to themselves or others and will be expected to report potentially unsafe conditions. The employee shall comply with occupational safety and health standards and all rules, regulations and orders issued pursuant to the OSHA Act of 1970, which are applicable to one’s own actions and conduct.

The position of Financial Services Representative I performs duties specific to the position and other functions as assigned.

The position of Financial Services Representative I is not responsible for the supervision of any employee(s).

The incumbent is in a non-confined office-type setting in which he or she is free to move about at will. The position includes driving a Bank or personal owned vehicle approximately 5% of the time which includes exposure to the outside weather elements and moving mechanical parts. It may include some minor annoyances such as noise, odors, drafts, etc. 

The incumbent in the course of performing this position spends time writing, typing, speaking, listening, lifting (up to 25 lbs.), driving, carrying, seeing (such as close, color and peripheral vision, depth perception and adjusted focus), sitting, pulling, walking, standing, squatting, kneeling and reaching.

The incumbent for this position may operate any or all of the following: telephone, smart phone, copy and fax machines, adding machine (calculator), check protector, scanner, and image systems, scanning equipment, encoder, money counter, credit card terminal, typewriter, computer terminal, laptop computer, personal computer, tablet, printers, or other equipment as directed.

The work environment characteristics described here are representative of those an employee encounters while performing the essential functions of this job.

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.  

The incumbent in this position must be able to accommodate to reading documents or instruments, detailed work, problem solving, customer contact, reasoning, math, language, presentations, verbal and written communication, analytical reasoning, stress, multiple concurrent tasks and constant interruptions.

These specifications are general guidelines based on the minimum experience normally considered essential to the satisfactory performance of this position. The requirements listed below are representative of the knowledge, skill and/or ability required to perform the position in a satisfactory manner. Individual abilities may result in some deviation from these guidelines.

·        High school diploma or general education degree (GED); or 2 or more years of related experience and/or training; or the equivalent combination of education and experience. Work related experience should consist of a financial institution operations, sales, or customer service background. Educational experience, through in-house training sessions, formal school or financial industry related curriculum, should be business or financial industry related.

·        Intermediate experience, knowledge and training in branch operation activities, terminology and products and services relating to retail and commercial account customers.

·        Basic knowledge of related state and federal banking compliance regulations, and other Bank operational policies.

·        Intermediate skills in computer terminal and personal computer operation; host computer system; and word processing, spreadsheet, and account opening software programs.

·        Intermediate typing skills to meet production needs of the position.

·        Basic math skills; calculate interest and balance accounts; add, subtract, multiply and divide in all units of measure, using whole numbers, common fractions, and decimals; locate routine mathematical errors; count currency, coin, and negotiable instruments in a timely manner.

·        Effective verbal, written and interpersonal communication skills with the ability to apply common sense to carry out instructions, interpret documents, understand procedures, write reports and correspondence, and speak clearly to customers and employees.

·        Ability to deal with difficult problems involving multiple facets and variables in non-standardized situations.

·        Effective organizational and time management skills.

·        Ability to work with general supervision while performing duties.