Teller

Description

POSITION SUMMARY:   Under the direction of the Lead Teller, the Teller is responsible for handling routine customer inquiries and transactions and maintains favorable customer and employee relations.  The employee also cross-sells products and services to customers and completes miscellaneous duties as assigned.

PRIMARY RESPONSIBILITIES AND ACCOUNTABILITIES: 

1. Receive checking and savings deposits: verify cash and endorsements, receive proper identification for cash back, and issue receipts of deposit.
2. Examine checks deposited and determine proper funds availability based on regulation requirements and complete Hold Notices.
3. Process savings withdrawals and close accounts at customer request.
4. Cash checks: verify endorsement, receive proper identification, and ensure validity.
5. Accept loan payments: verify payment amount, ensure proper coding and issue receipts.
6. Process night deposit and mail transactions according to the Bank’s procedure.
7. Answer customer inquiries (in-person and phone) regarding interest rates, service charges, and account histories while complying with disclosure requirements, regulations and consumer privacy policies.
8. Assist with processing courier bag(s) according to branch procedure.
9. Assist with care and maintenance of security equipment.
10. Cross-sell bank products and services.  Refer customers to the proper department for issues that cannot be resolved at the teller line.
11. Issue money orders and cashier’s checks, redeem U.S. Savings Bonds, process cash advances and sell Visa Prepaid Cards.
12. Buy and sell currency from the vault/recyclers as necessary, ensuring that teller drawer cash limits are not exceeded.
13. Balance drawer daily, including periodic batching of cashed checks.  Balance or assist in balancing the vault, recyclers, dispenser, ATM and coin machine daily or as assigned.
14. Maintain appropriate currency logs and complete Currency Transaction Reports when appropriate.
15. Daily item processing for all transaction activity.
16. Provide all customers information regarding their deposit services.  Explain product features and associated fees and costs.

Qualifications

ROLE QUALIFICATIONS:

Education

• High School Diploma or equivalent.

Experience

• Previous cash handling or sales experience preferred.
• Previous customer service experience preferred.

Other Skills and Abilities

• Excellent customer service skills and the ability to work effectively and non-defensively with customers and staff members in order to provide superior customer service.
• Ability to prioritize and make on-the-spot decisions regarding customer transactions, weighing customer satisfaction issues with Bank exposure to loss or fraud.
• Excellent listening, verbal communication and phone etiquette skills.
• Must be customer service driven with a high level of interpersonal skills to handle sensitive and confidential situations.
• Knowledge of bank products and services.
• Knowledge of various federal regulations including Bank Secrecy Act, Right to Financial Privacy Act and Regulation E.
• Possess the ability and strong desire to develop the “team” within the Bank.
• Proficient computer skills including experience with Windows based applications (ability to navigate within multiple screens).
• Ability to operate a variety of office equipment, including a multi-line phone system, PCs, printers and scanners.

PERFORMANCE MEASURES:

• Thoroughness and timeliness of services provided to internal and external customers.
• Effectiveness of communications and development of good working relationships with co-workers and customers.
• Takes initiative to complete all duties with accuracy.

WORKING CONDITIONS:

• Work is performed largely within the Bank with limited chance for personal injury.  Prolonged and frequent mental and visual concentration required.  Periodic stressful situations in response to multiple priorities within established deadlines.  Work hours are generally during normal business hours. 
• Serves as a representative of the organization at appropriate functions.

GENERAL NOTICE:

This position description describes the general nature and level of work performed by the employee assigned to this position and should not be interpreted as all inclusive.  It does not state or imply that these are the only duties and responsibilities assigned to the position.  The employee may be required to perform other job-related duties.  All requirements are subject to change and to possible modification to reasonably accommodate individuals with a disability. 

This position description does not constitute an employment agreement between the Bank and employee and is subject to change by the employer as the needs of the Bank and requirements of the position change.