Job Description

SUMMARY

The primary responsibility of a Financial Service Representative is to deliver quality customer service by focusing on meeting the needs of each customer and ensuring each interaction is courteous, accurate and efficient. A FSR is always seeking the opportunity to improve the customer’s banking relationship and is trained to be a high performing professional that opens customer accounts, completes account maintenance, fulfills customer requests, cross-sells products/services and refers customers to other areas of the bank. Customer service may occur in-person at the branch, online, through ITM technology or over the phone.

ESSENTIAL DUTIES AND RESPONSIBILITIES include the following. Other duties may be assigned.

Provide customer service including transaction processing, account opening, balancing checkbooks, and resolving customer problems and concerns, statements, etc. Provide ongoing relationship service with current customers to maintain goodwill and gain additional business. Complete follow-up with new customers through written and phone correspondence. Complete outbound calls as assigned in keeping with the bank’s marketing campaign focus and service expansion opportunities.

Cross-sell the full range of personal and business banking services to present and potential customers. Refers customers to other areas of the bank and recommends ways in which the bank can meet their needs. Is supportive and participates in the Customer Benefits Program. Participates in the sales team culture within the community office, including achieving individual sales goals and contributing to branch goals.

Act as a sales agent to refer business to Investment Trust, Commercial Lending, Consumer Lending, Mortgage Lending, VISA Merchant, Business Manager and Wealth Management.

Functions as a CSR as needed. Follows Teller Cash Control as directed by Balancing Cash Procedures and meet accuracy requirements for File Maintenance.

Assists in balancing branch machines where applicable; coin machine, ATM, ITM and/or cash dispensers.

Cross-training: May be trained as ITM teller to assist with financial transactions via Connect technology. May receive training to perform as vault teller on rotation. May be given supervisory transaction override authority. May be responsible for branch supply ordering.

Is supportive of the Bank’s mission and core values and demonstrates this commitment in daily work. Our mission is to remain an independent community bank by offering the most flexible and comprehensive financial solutions delivered by our team of top performing professionals who come to work every day with the goal of helping families, businesses, and our communities find their better state.

SUPERVISORY RESPONSIBILITIES

This job has no supervisory responsibilities.

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. Reasonable accommodations may be made to enable individuals with disabilities to perform the essential functions.

EDUCATION AND/OR EXPERIENCE

High school diploma or general degree (GED); or one to three months related experience and/or training; or equivalent combination of education and experience.

LANGUAGE SKILLS

Ability to read and comprehend simple instructions, short correspondence, and memos. Ability to write simple correspondence. Ability to effectively present information in one-on-one and small group situations to customers, clients, and other employees of the organization.

MATHEMATICAL SKILLS

Ability to add, subtract, multiply, and divide in all units of measure, using whole numbers, common fractions, and decimals. Ability to compute rate, ratio, and percent.

REASONING ABILITY

Ability to apply common sense understanding to carry out instructions furnished in written or oral form. Ability to deal with problems involving several concrete variables in standardized situations.

REGULATION TRAINING REQUIREMENTS

The Bank Secrecy Act: Money Laundering

The Community Reinvestment Act

Regulation CC: Expedited Funds Availability Act

Regulation CC: Check Fraud Prevention

Regulation E: Electronic Funds Transfer Act

Regulation DD: Truth In Saving

Bank Security Training

CERTIFICATES, LICENSES, REGISTRATIONS

Notary Public

Medallion Guarantee

PHYSICAL DEMANDS

The physical demands described here are representative of those that must be met by an employee to successfully perform the essential functions of this job. Reasonable accommodations may be made to enable individuals with disabilities to perform the essential functions.

While performing the duties of the job, the employee is regularly required to talk or hear. The employee is occasionally required to stand; use hands to finger, handle, or feel; and reach with hands and arms. The employee must occasionally lift and/or move up to 50 pounds. Specific vision abilities required by this include close vision, distance vision, and ability to adjust focus.

WORK ENVIRONMENT

The work environment characteristics described here are representative of those an employee encounters while performing the essential functions of this job. Reasonable accommodations may be made to enable individuals with disabilities to perform the essential functions.

The noise level in the work environment is usually moderate. But may be loud at times. The work environment requires close and constant interaction with customer and co-workers.

Company Description

The State Bank, Genesee County's only community bank since 1898. Come join our team of 200 bankers that strive to offer a local banking experience to customers. Visit us online at www.thestatebank.com.