Senior Teller

Job Description

Job Description

Job Title : Senior Teller

Reports to : Teller Coordinator; Branch Manager

FLSA Status : Non - Exempt

SUMMARY :

Performs a variety of paying and receiving functions for deposit and loan customers in accordance with bank policies and procedures. Strives to retain present customers and develop new business by extending professional and efficient service. Suggests additional services and products to meet customer’s needs. In addition to normal teller duties, this person, in the absence of the Teller Coordinator, supervises and assists other tellers within the branch in the efficient handling of customer needs, reviews and checks the work of other tellers, assists in the timely resolution of teller issues, and ensures that the branch front line staff adheres to all compliance and security procedures.

ESSENTIAL DUTIES AND RESPONSIBILITIES :

The following reflects management’s definition of essential functions for this job but does not restrict the tasks that may be assigned. Management may assign or reassign duties and responsibilities to this job at any time due to reasonable accommodation or for other reasons. Management reserves the right to transfer, temporarily or permanently, employee at any time to other locations as deemed necessary.

The incumbent, supervised by the Teller Coordinator / Branch Manager will utilize Corporate Policy and Procedures, ensuring that a high standard of quality and accuracy is maintained at all times. It is the responsibility of the incumbent to ensure quality service and to report risk and exposure to management immediately.

• Assist customers in a professional and service-oriented manner.
• Answer in-person and telephone customer inquiries on account balances, bank products and services; assist customer(s) with completion of proper documents.
• Process financial transactions for personal and commercial customers in an accurate and efficient manner.
• Complete correct bank documentation in order to process each transaction accurately and efficiently.
• Examine checks deposited and determine proper funds availability based on regulation requirements and complete hold notices.
• Complete knowledge and understanding of proper operation of teller terminal.
• Supervise and maintain daily operational standards, including, but not limited to, cash drawer security, daily balance of cash drawer, Remote Branch Capture procedures, scanning of teller work to IP Department in a timely manner, counterfeit currency identification, count and roll coins, balance ATM
• Process transactions according to Bank Policy as outlined in F&M Bank’s Teller Performance Standards, Night Deposit Services Policy and Check Cashing Service Policy
• Demonstrate advanced knowledge of available products and services, educating customers, as appropriate, on emerging bank technology and digital solutions such as mobile, online, ATM and other offerings.
• Recognize customer needs and refer customers to appropriate bank representative(s) for cross-sell or service opportunities.
• Under the direction of the Teller Coordinator / Branch Manager, may assist with balancing cash shipments to and from the Fed
• Under the direction of the Teller Coordinator / Branch Manager, may assist with the operation of the branch ATM
• Under the direction of the Teller Coordinator / Branch Manager, may assist other branch tellers in daily balancing and resolution of teller issues or customer service-related issues in a timely manner and in accordance with policy and procedure.
• Proficient in counting currency and coin; accurately balance teller station at close of business day : complete proper tickets, count currency and coin; report outage to Management in accordance with the Teller Performance Standards
• Process payments on installments loans, mortgage loans, commercial loans, charge customer accounts
• Counts, proves and packages currency and coin
• Buy and sell currency from the vault as necessary, ensuring that teller drawer cash limits are not exceeded
• Practice and foster safe and sound bank procedures among Teller staff, including adherence to applicable laws and regulations, internal controls, operational procedures and risk management policies; adhere to security protocols for robbery, fraud, opening / closing process, cash controls, teller procedures, etc.
• Performs a range of related duties and may assist other tellers or branch personnel.
• Ability to deal effectively and tactfully with all types of customers.
• Must be able to recognize situations, which because of risks or hazards involved, are beyond his / her limit and should be referred to management.
• Provides guidance and assistance to teller staff as requested by the Teller Coordinator such as transaction approvals, and the resolution of customer service issues.
• Protect the Bank from unnecessary risk or exposure by being familiar with bank procedures and confidentiality guidelines, including, but not limited to, currency transaction reports, suspicious activity reports, Regulation CC holds and documentation, robbery procedures, etc.
• Work with Teller Coordinator to lead the branch in providing consistent, distinctive service to all customers when delivering the F&M Bank experience.
• Requires regular attendance and punctuality
• Complete all Bank training in a timely manner
• Work closely with branch staff to identify, create, and respond to account opening and credit card sales opportunities.

In Teller Coordinator’s absence, will assume duties associated with Teller Coordinator position :

SUPERVISORY RESPONSIBILITIES : Although this position carries no direct supervisory responsibilities, this individual serves in the capacity of a leader among his / her peers in the manner in which he / she performs his / her job duties. In the absence of the Teller Coordinator, this position carries direct supervisory responsibilities over the front-line tellers.

QUALIFICATIONS : Two to four years of previous teller experience within the financial institution industry. To perform this job successfully, an individual must be able to perform each essential duty satisfactory. The requirements listed below are representative of the knowledge, skill, and / or ability required. Previous cash handling / customer service experience required.

LANGUAGE SKILLS : Ability to read and comprehend written and verbal instructions, correspondence, and memos. Ability to compose correspondence. Must be able to speak, read, write, and understand the primary language(s) used in the workplace.

MATHEMATICAL SKILLS : Ability to add, subtract, multiply, and divide in all units of measure, using whole numbers, common fractions, and decimals.

REASONING ABILITY : Ability to apply understanding to carry out instructions furnished in written, oral, or diagram form.

PHYSICAL DEMANDS : The physical demands described herein are representative of those that must be met by an employee to successfully perform the essential functions of this job.

While performing the duties of this job, the employee is frequently required to sit and use hand to finger dexterity, handle, or feel. The employee is occasionally required to stand, walk, reach with hands and arms, climb or balance, stoop, kneel, crouch or crawl, speak, listen, and use close and distance vision. The employee may lift and / or move up to 50 pounds in coin / currency.

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

While performing the duties of this position, the employee may be exposed to risk of electrical shock. The employee may occasionally be exposed to fumes or airborne particles and vibration. The noise level in the work environment is usually moderate.

OTHER SKILLS AND ABILITIES : Individual must possess outstanding customer service skills, acute attention to detail, and an ability to learn and follow F&M Bank’s operational and security procedures; must have excellent money-handling skills. Individual must have the ability to operate common office machines, general computer capabilities, demonstrate good computer / 10 key skills, and be able to learn specific software applications. Individual must be able to effectively communicate with people at all levels and from various backgrounds. Strong organizational skills and ability to manage priorities and workflow are necessary. Individual must have strong verbal, written and interpersonal skills. Ability to understand sensitive data and to maintain confidentiality is required. The individual must be professional in appearance and demeanor at all times; be committed to excellence, high standards and team oriented.

Disclaimer :

The above statements are intended to describe the general nature and level of work being performed in this role. They are not intended to be a comprehensive list of all responsibilities, skills or duties.

EEO / AA / M / F / Vets / Disability