What are the responsibilities and job description for the OVERDRAFT PRIVILEGE SPECIALIST position at Stock Yards Bank and Trust?
As an Overdraft Privilege Specialist, your day will be filled with opportunities to assist in DDA & SAV collection duties, non-ODP and ODP accounts. Customer service and collection knowledge are important while Stock Yards Bank & Trust will provide a professional environment to continually improve the candidate's skills to further his/her career goals for advancement within the banking profession.
Responsibilities
Daily responsibilities include, but are not limited to, the following:
- Communicate verbally with deposit account customers - generating outbound customer calls for account status discussions and providing customers with all available remedies directly related to resolving overdrawn accounts
- Establish mutually agreeable repayment plans with customers
- Perform general maintenance on deposit accounts
- Work daily reports as outlined with predefined procedures
- Monitor overdrawn DDA & SAV accounts
- Ensure all interactions and collection activities are correctly recorded in our case management software
- Report accounts and payments to third party vendors as necessary
- Provide Branch support for Overdraft Privilege product
- Utilize vendor software for customer letters and notifications
- Educate customers on recommended use of our Overdraft Privilege Product and provide insights and recommendations to mitigate overdraft issues.
- Crosstrain within the department and assist co-workers as dictated by Department Supervisor and/or Manager
- Perform other duties as assigned by supervisor
- Ability to communicate effectively with internal and external customers and all levels of management
Job Requirements
The successful candidate will have the following qualifications:
- High School Diploma or GED Equivalent
- Bank or customer service experience preferred
- Proficient in Word and Excel
- Professional phone etiquette
- Ability to work with difficult customers in a professional manner
- Follow through with daily work
- Detail oriented
- WOW Customer Service Skills
- Team player
- Professional appearance and demeanor
Benefits
- 401(k) with a company match of up to 6%
- ESOP employer match
- Medical insurance
- Dental insurance
- Vision insurance
- Cancer / Disease insurance
- Accident insurance
- Flexible Spending Accounts
- Health Savings Accounts
- Bank paid Life / AD& D insurance
- Voluntary Life / AD&D insurance
- Bank paid Short-Term and Long-Term Disability insurance
- Employee Stock Purchase Plan
- Employee Assistance Program
Physical Requirements
The physical demands described here are representative of those that must be met by an employee in order to successfully perform the essential functions of this job. Reasonable accommodations may be made to enable individuals with disabilities to perform the essential functions.
This position requires sitting the majority of the time with some walking and standing. All work occurs indoors and within regular working hours. The noise level in the work environment is usually moderate. While performing the duties of this job, the employee is regularly required to use hands and fingers, handle or feel, reach with hands and arms, and talk or hear. May stand for long periods on the teller line.
Equal Opportunity Employer/Protected Veterans/Individuals with Disabilities
This employer is required to notify all applicants of their rights pursuant to federal employment laws. For further information, please review the Know Your Rights notice from the Department of Labor.
