Southern Michigan Bank & Trust
TELLER/UNIVERSAL BANKER
Southern Michigan Bank & Trust, Portage, Michigan, United States, 49002
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TELLER/UNIVERSAL BANKER
role at
Southern Michigan Bank & Trust
Description Summary: Performs a variety of duties to provide customer service by explaining and processing financial services and correcting records. All other duties and responsibilities as assigned.
Essential Duties, Responsibilities, Skills
Build and maintain customer relations by providing high quality service
Assist customer from start to finish acting as a full relationship manager
Interview customers to obtain information and proactively sell all bank products and services, including but not limited to Checking, Savings, Individual Retirement Accounts, Certificates of Deposits and Savings Bonds
Open new accounts using needs-based techniques
Discuss, sell, complete application and close consumer loans
Discuss, sell, and refer electronic services, Wealth Management and Commercial/Mortgage loan services
Solve branch operations matters
Understand and support marketing initiatives
Clean and organize branch/work area
Service, audit, and balance drawers, vault, TCRs, PTM, coin machines and other branch technology within established guidelines
Prepare, verify, and order incoming and outgoing cash shipments
Prepare and sign cashier’s checks, loan checks, and wires within assigned limits
Open, close and lead the branch during absence of management
Close accounts when necessary
Discuss and process overrides for lesser experienced tellers
Mentor/train incoming Tellers/Universal Bankers
Supervisory Responsibilities None
Qualification Requirements To perform this job successfully, an individual must be able to perform each essential duty satisfactorily and maintain confidentiality and professionalism. Reasonable accommodation may be made to enable individuals with disabilities to perform the essential functions.
Education And/or Experience
High School Diploma or GED; plus one to three weeks of training and at least one-year equivalent combination of education and experience.
Customer service, cash handling and banking experience preferred.
Attentiveness to detail.
Basic computer skills including Microsoft Word and Excel.
General math skills.
Jack Henry suite of programs including Xperience and Synapsys.
TCR, PTM, and coin machine knowledge.
Interpersonal Skills This position requires dealing with internal and external customers in a positive, “Quality Customer Service” manner. An open, willingness to assist approach to work is expected, along with the ability to work beyond normal job duties as the situation requires. Interpersonal and problem‑solving skills are required. This position will have access to highly confidential information that must be handled professionally.
Physical Demands Regularly required to talk or hear. Frequently required to sit; use hands to finger, handle or feel; and reach with hands and arms. Occasionally required to stand, walk, climb or balance; stop, kneel, crouch, or crawl. Must frequently lift or move up to 15 pounds and occasionally up to 25 pounds. Specific vision abilities required include close vision, distance, color vision, depth perception and ability to adjust focus.
Reasoning Ability Ability to solve practical problems and deal with a variety of concrete variables in situations where only limited standardization exists. Ability to interpret a variety of instructions furnished in written, oral, diagram or schedule form.
Work Environment The noise level in the work environment is usually moderate/conversational.
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TELLER/UNIVERSAL BANKER
role at
Southern Michigan Bank & Trust
Description Summary: Performs a variety of duties to provide customer service by explaining and processing financial services and correcting records. All other duties and responsibilities as assigned.
Essential Duties, Responsibilities, Skills
Build and maintain customer relations by providing high quality service
Assist customer from start to finish acting as a full relationship manager
Interview customers to obtain information and proactively sell all bank products and services, including but not limited to Checking, Savings, Individual Retirement Accounts, Certificates of Deposits and Savings Bonds
Open new accounts using needs-based techniques
Discuss, sell, complete application and close consumer loans
Discuss, sell, and refer electronic services, Wealth Management and Commercial/Mortgage loan services
Solve branch operations matters
Understand and support marketing initiatives
Clean and organize branch/work area
Service, audit, and balance drawers, vault, TCRs, PTM, coin machines and other branch technology within established guidelines
Prepare, verify, and order incoming and outgoing cash shipments
Prepare and sign cashier’s checks, loan checks, and wires within assigned limits
Open, close and lead the branch during absence of management
Close accounts when necessary
Discuss and process overrides for lesser experienced tellers
Mentor/train incoming Tellers/Universal Bankers
Supervisory Responsibilities None
Qualification Requirements To perform this job successfully, an individual must be able to perform each essential duty satisfactorily and maintain confidentiality and professionalism. Reasonable accommodation may be made to enable individuals with disabilities to perform the essential functions.
Education And/or Experience
High School Diploma or GED; plus one to three weeks of training and at least one-year equivalent combination of education and experience.
Customer service, cash handling and banking experience preferred.
Attentiveness to detail.
Basic computer skills including Microsoft Word and Excel.
General math skills.
Jack Henry suite of programs including Xperience and Synapsys.
TCR, PTM, and coin machine knowledge.
Interpersonal Skills This position requires dealing with internal and external customers in a positive, “Quality Customer Service” manner. An open, willingness to assist approach to work is expected, along with the ability to work beyond normal job duties as the situation requires. Interpersonal and problem‑solving skills are required. This position will have access to highly confidential information that must be handled professionally.
Physical Demands Regularly required to talk or hear. Frequently required to sit; use hands to finger, handle or feel; and reach with hands and arms. Occasionally required to stand, walk, climb or balance; stop, kneel, crouch, or crawl. Must frequently lift or move up to 15 pounds and occasionally up to 25 pounds. Specific vision abilities required include close vision, distance, color vision, depth perception and ability to adjust focus.
Reasoning Ability Ability to solve practical problems and deal with a variety of concrete variables in situations where only limited standardization exists. Ability to interpret a variety of instructions furnished in written, oral, diagram or schedule form.
Work Environment The noise level in the work environment is usually moderate/conversational.
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