Community Banker

About Provident Savings Bank

In 1956, our founder, Gordon Blunden, had a dream of building a business that would continue to thrive for many years to come. At Provident Savings Bank, our mission is to empower our community by providing exceptional financial services with integrity and personalized attention. We are committed to creating a nurturing and supportive environment for our employees, offering continuous professional development, competitive benefits, and a culture of respect and collaboration. By investing in our team, we ensure that they can provide the highest level of service to our customers. Together, we aim to build lasting relationships, support local growth, and contribute to the prosperity of our community.

Overview:

The Community Banker is responsible for providing superior customer service at the retail banking center, receiving and processing funds as required, balancing out all daily transactions, and successfully cross-selling services and products of the Bank. 

Reports to / Supervision Received

1. Manager: Branch Service/Operations Manager
2. Next-Level Manager: Community Banking Manager
3. Senior Manager: Senior Vice President, Retail Banking

Essential Functions:

• Will meet or exceed all established goals and objectives for this position.
• Performs all tasks in full compliance with established policies and procedures; such tasks to include posting deposit and withdrawal transactions, and handling all check-cashing requests in full compliance with Regulation CC.
• Maintain and ensure that approved cash drawer limits are adhered to as outlined in the cash control procedure, and maintains proper records of all transactions; balancing of cash drawer on a daily basis in a timely manner; when required, may assist in proofing daily transactions.
• Responsible for designated duties, which may include completion of money order, or cashier checks, and processing of loan payments; ensuring proper identification of customer is received and collects service fees, as applicable; and merchant transactions as required.
• Professionally and effectively maintain a level of communication throughout all customer interaction including the need to explain various decisions made on transactions.
• Ensures that all security procedures are adhered to. These procedures include opening and closing procedures, cash drawer limits, dual control functions, elder abuse reporting, and compliance with BSA regulations.
• Actively generates new business relationships and participates in outside sales activities including: cold calling, prospecting, community events, telemarketing, Bank-At-Work events, etc. Must possess strong presentation skills and the ability to creatively develop new business relationships inside and outside of the branches.  Requires flexibility to participate in offsite business development endeavors and will maintain a business pipeline.
• Arranges for transfers between accounts; and handles loan payment transactions. Accurately prepares documents, i.e., allotment visa debit card applications, visa debit card lost/stolen, as well as filing of various records relating to accounts.
• Assists in the handling of daily mail, including the processing of deposits and loan payments, Responsible for the proper control of cash, as well as protection of confidential financial information, to include non-disclosure of password and teller number, and control of teller keys/combos at all times. Protects the confidentiality of all financial data relating to bank operations and its customers.
• Maintains inventory of supplies, forms and equipment at the banking center at a satisfactory level; makes recommendations for additions and/or deletions to the Community Banking Manager.
• Establishes and maintains the necessary records and files for the banking operation; records and directs pick-up, opening, delivery and depositing of mail for the Center, as necessary.
• Ensures that all credit card cash advance transactions are handled in accordance with established policies and procedures with proper identification and approval.
• Confidently possesses sufficient product knowledge and seeks opportunities to explain, promote, or sell/cross-sell benefits of bank services and products to customers, while providing quality customer service. Maintains a prospect log and follows up with potential relationships and responds to customer inquiries in a professional, courteous, and timely manner.
• Responsible for maintaining high level of job performance to meet and/or exceed the standard for this position in order to ensure achievement of the Department’s goals.

Competencies

• Communication / Interpersonal Skills: Providing correct and timely information to customers and peers; conveying difficult information; getting along with others; asserting opinions and decisions; working as a productive member of a cohesive group toward a common goal
• Customer Focus: Knowing the internal and external customer business needs and acting accordingly; anticipating customer needs and giving high priority to customer satisfaction and service
• Performance: Execution of job functions, duties, and roles; includes accountability (reliability / dependability), adaptability, computer literacy, decision making, initiative, organizational awareness, planning and organizing, problem solving, and results orientation
• Values-Based Behavior: Upholding generally accepted social and ethical standards in job-related activities, decisions, and behaviors

Supervisory Responsibility

This position generally does not supervise other staff members.

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. 

Required Education and/or Experience

• High school diploma or equivalent.
• Successful completion of in-house training program or other approved training program.

 Skills

• Must maintain working knowledge of all federal and state banking regulations as they relate to tasks being performed.
• Must have ability to work well with customers and staff, both in person and by telephone; good interpersonal skills.
• Sales skills a plus.

Certificates, Licenses, Registrations

Must have a valid California driver’s license and carry current auto insurance that meets or exceeds the minimum requirements of the California DMV.