Associate Banker

Job Description

Job Description

Purpose: The primary function of this job is to provide outstanding service to members by promoting and selling Credit Union … (Banking) services and products services to new and existing members and by fully using job-relevant technical skills, maintaining/updating technical skills, and seeking to enhance service skills. This position is a three-level job progression track, which requires the employee to be proficient in one or more of the following areas: 1) provide teller services to members, 2) perform back-office teller/administrative duties, and 3) provide service delivery coordination to members. Requires the employee to be proficient in a minimum of one function within the first year of employment. Position advancement will occur when an additional skill is achieved. All front-office positions are high visibility/high volume and require the ability to make decisions within established guidelines, the willingness to work within a sales environment, and the ability to be a team player in an organization that values the spirit of teamwork.

Required Core Position Functions

- Responsible for meeting established sales goals for WFF products and services

- Responsible for producing sales referrals for new accounts and loans as assigned

- Utilize empowerment matrix

- Follow WFF’s service guidelines

- Possess thorough knowledge of all products and services

- Explain Credit Union products/services to members

- Refer members to appropriate departments as required

- Process member account inquiries and respond to member problems

- Assist in end-of-day processing

- Adhere to work environment maintenance standards

- Assist in maintaining membership records confidentially

- Notarize documents for members and staff

- Monitor lobby to identify potential security risks

- Perform specific and delegated duties as assigned by management

Essential Functions (employee must be proficient in one or more of the following three areas):

Associate Banker Function

- Provide excellent member services at all times

- Process and post monetary and related transactions

- Process checks and apply appropriate holds

- Perform internal teller-related duties including identifying cross-selling opportunities and referring members to other teammates.

- Follow established cash drawer and cash handling procedures

- Reconcile/balance cash and transactions within guidelines

- Follow established security procedures

- Process night drop and mail deposits

- Ensure confidentiality of member account information

- Deter fraud whenever possible

- Responsible for resolving member inquiries and account disputes

- Activate new accounts

- Close existing accounts as needed

- Knowledge of Cash Dispensing Machine operations and balancing (if applicable)

- Responsible for compliance with Bank Secrecy Act and Credit Union procedures related to completion and filing of Currency Transaction Reports

Back-Office Associate Banker/Administrative Function

- Balance branch

- Maintain vault using established procedures

- Process cash shipments (incoming, outgoing, and ordering)

- Receive and sell cash/coin

- Prepare coin/mutilated money shipments

- Balance and audit Cash Dispensing Machine (if applicable)

- Maintain reserve supplies and balance money order inventories, official/cashier’s checks, and other stock as may be assigned

- Process large ATM deposits

- Balance ATM

- Process night deposit deposits, if applicable

- Assist with Branch audits

- Coach other Associate Bankers

- Train new Associate Banker and provide continual mentoring for Associate Banker trained

- Open additional savings-products using established procedures

- Cross-sell products/services when appropriate and close sales

- Provide error resolution and effectively solve complex account service issues

Service Delivery Coordination

- Greet members in branch locations and determine the nature of member’s business

- Ensure members receive service in a timely manner

- Demonstrate the use of service delivery systems and direct members to the appropriate delivery channels

- Display a thorough knowledge of all Credit Union products/services and explain products/services to members

- Demonstrate knowledge of Phone Service and Support Services job functions

- Demonstrate knowledge of safe deposit box procedures

- Process member account inquiries and assist members with problem resolutions

- Cross-sell additional products/services when appropriate and close sales

- Responsible for producing sales referrals for new accounts and loans as assigned

- Exhibit advanced profiling techniques

- Explain Credit Union products/services to members

- Follow established security procedures

- Discuss loan products and processes

- Explain and offer all deposit related products to members

- Provide basic IRA transactions

- Responsible for following up with members utilizing the 2.2.2. Onboarding and pipeline management process.

Job Qualifications

Knowledge of:

- Cash handling procedures

- Products/services

- Policies/procedures and service philosophy

- Safety/security programs (i.e., false alarms, robberies, bomb threats and extortion)

- In-house computer system

- Regulatory understanding

Skills:

- Vision: Ability to complete necessary paperwork

- Speech/Hearing: Ability to communicate verbally with staff, members, and vendors

- Manual Dexterity: Ability to perform necessary computer-related input

- Physical Mobility: Requires significant finger manipulation, hand-arm manipulation, hand/arm steadiness, eye/hand/foot coordination, limb movement without visual control, hand/ear coordination may require standing for long periods of time.

Ability to:

- Understand/Follow moderately complex written and oral instructions

- Express oneself clearly/concisely, both orally/in writing

- Prioritize multiple member requests (handle daily routine with moderate freedom to interpret and act upon various situations)

- Present a professional/personable personality to reinforce WFF's professional image

- Interact with multiple departments daily

- Work within precise standardized guidelines with some latitude to take initiative

- Possess versatility/flexibility to successfully serve as a backup to other positions as required

- Possess creativity/resourcefulness to complete assigned duties without constant supervision

- Possess mental concentration to resolve basic problems, which are relatively redundant

- Keep personal work updated and accurate

- Accept limited responsibility for funds/records

- Accept responsibility for access to confidential data and member account information

Education/Experience

- High school level of language, math, and reasoning skills

- Two years of work experience in a related field with equal responsibilities

- Formal training should be supplemented with continuing internal and external education and self-development programs