Retail Relationship Banker

:

Retail Banker

DEPARTMENT: Retail Banking REPORTS TO: Banking Center Manager SUPERVISES: N/A

LOCATION: Evansville Region; Incumbent may be assigned and re-located to a branch within the Evansville Region as staffing and business initiatives dictate.

FSLA/STATUS: Non-Exempt/ Full-Time

Work Schedule : Monday thru Thursday : Schedule Varies between: 8:00 am - 5:45 pm. Fridays hours to 6:30 p.m. Rotation of Saturday Hours of 8:30 a.m. -12:30p.m. are a requirement. Over-time may be required if business and staffing needs dictate.

SUMMARY: Responsible for the opening of Retail accounts, the development of new Retail and Commercial relationships, and performing customer service functions while delivering optimum customer satisfaction. Always p romotes the banks products and services to internal and external customers. Will recognize and act on selling and referral opportunities that benefit the customer and the bank. Motivated to meet a monthly production goal by working with a team of knowledgeable professionals. Consistent in retail compliance, branch security, audits, employee engagement, bank products, referrals, and sales promotion. This position can act as a back up to the Banking Center Manager, if they are out of the office, for a limited period.

Will perform all related BSA functions.

EDUCATION & EXPERIENCE:

• High school diploma or equivalent.
• Minimum of two years' experience over-seeing and directing teller line and vault functions.
• Demonstrated capability of actively cross-selling, increasing new households and growing deposits.
• Minimum of two years' experience in the teller function with a thorough knowledge of all teller functions.
• Previous Deposit Operations experience preferred.

MAJOR DUTIES & RESPONSIBILITIES:

• Organizes work tasks and resources to effectively accomplish company and/or branch goals
• Proactively prospects for new Retail and Commercial business
• Opens new accounts and closes accounts (when appropriate)
• Accountable for following Standard Operating Procedures (SOPs)
• Stays abreast of any changes on Policy and Procedures and/or Standard Operating Procedures (SOPs)
• Knowledge of various federal regulations including Bank Secrecy Act, Community Reinvestment Act, Americans with Disabilities Act, Right to Financial Privacy Act, Gramm-Leach-Bliley Act, Regulation CC, and Regulation E. Responsible
• Thoroughly understands and backs up duties of the Lead Teller and Teller line as needed
• Knowledgeable of and compliant with established procedures relating to Deposit, Consumer and Retail compliance
• Knowledgeable of branch security protocol. Trains branch staff and ensures consistent compliance with Policy and Procedures
• Maintains a level of trust and responsibility by keeping all customer business confidential
• Maintains a level of trust and responsibility by keeping all employee performance related issues confidential and shared only with the Branch Manager, Retail Market Manager, and Human Resources
• Effectively and promptly manages conflict in an appropriate manner while keeping Management informed
• Provides a complete range of customer services at the financial institution, including promoting and opening retail accounts, explaining available financial institution products and services, ensuring appropriate customer information is gathered and maintained for account and institutional compliance
• Understands necessary laws, regulations, and reporting requirements in establishing retirement accounts
• Makes necessary decisions using good judgement in a timely manner without avoidance
• Promotes and cross-sells bank products and services to meet the production goals set by management
• Responsible for producing and growing a consumer lending portfolio
• Maintain operational excellence and ensure all security controls are being followed at the branch
• Coaches a team on how to promote and cross-sell bank products and services to help meet the required number of referrals
• Demonstrates the ability to adapt behavior as necessary and overcome obstacles to achieve expected results
• Supports the Banking Center Manager

KNOWLEDGE, SKILLS AND ABILITIES:

• Extensive knowledge of teller and vault functions
• Strong leadership abilities
• Comprehensive knowledge of deposit compliance
• Motivate and engage others
• Strong organizational skills and ability to multi-task
• Effective interpersonal and communication skills
• Understanding of financial products and services
• Work in a team environment and manage in a positive manner with direct reports, peers, business partners, and management
• Sales experience, particularly in cross-marketing products and services
• Working knowledge of consumer lending services and compliance

COMPETENCIES NECESSARY TO BE SUCCESSFUL IN THIS POSITION:

CUSTOMER FOCUS

Behaves with the customer in mind. Dedicated to meeting the customer's needs and expectation. Works with the customer to understand and uncover their issues and/or needs. Interacts with customers in a courteous, professional, and knowledgeable manner. Conducts all company transactions and interactions in an honest, professional, and ethical manner. Gains customer's trust and respect by establishing and maintaining relationships. Remains composed and does not become defensive or show irritation when confronted with disgruntled customers. Cultivates a customer-focused attitude.

JOB KNOWLEDGE

Understanding and proven experience of job responsibilities. Ability to make sound decisions drawing on knowledge and experience. Capable of analyzing and resolving customer or work-related issues. Perceived by customers and co-workers as a skilled problem solver, knowledgeable, and a valuable business resource. Mentors others on how to exhibit functional knowledgeable and skills. Demonstrates initiative growing personal knowledge, while developing personal skills and leadership capability. Understanding of current bank technology and initiative in learning new bank technology.

ACCOUNTABILITY

Follows Standard Operating Procedures (SOPs) for cash handling and manages large sums of currency with accuracy. Complies with Right to Financial Privacy Act as it relates to the position and position's responsibilities. Follows Standard Operating Procedures for Branch Security. Complies with Bank Secrecy Act as it relates to the position and position's responsibilities. Follows Standard Operating Procedures for customer transactions. Understands objectives, priorities, and critical performance measures required to meet customer and company goals. Stays abreast of own performance and manages performance to achieve expected results.

Keeps management informed of progress, issues and potential roadblocks in reaching goals. Actively seeks out feedback on own performance from peers and company management to identify and address areas of individual weakness that may affect department and company performance.

DECISION QUALITY

Demonstrates good judgement. Makes timely, effective decisions without avoidance. Makes use of analysis, wisdom, experience, and judgement. Can cope with change and shift gears comfortably. Does not become agitated when aspects of a situation are unclear and needs to be researched further or looked up to management for direction. Able to approach complex tasks by breaking it down, using logic and reasoning to make a sound fact-based decision. Can consider alternatives, weigh the cost, benefits, and risks involved for the customer and company in any decision.

SALES FOCUSED

Promotes and cross-sells bank products and services and achieves the required number of referrals. Consistently demonstrates appropriate customer on-boarding procedures. Quickly assesses prospects' potential for opportunity. Results oriented. Demonstrates the ability to adapt behavior to overcome obstacles needed to achieve expected results.

INTEGRITY

Widely trusted as a direct, honest person who can present the truth in an appropriate and helpful manner. Keeps confidences, and owns up to mistakes. Consistently acts with a high degree of professionalism and ethics. Keeps commitments. Conveys credibility, trustworthiness, and good judgment when making suggestions. Genuinely concerned for people, treating everyone with dignity and respect. Always a professional, representing the company in the best possible manner in speech, dress, and conduct.

INITIATIVE

Demonstrates initiative by looking for, and suggesting solutions to problems without coaxing. A self-starter continually looking for ways to improve his/her effectiveness. Proactively involves appropriate individuals to resolve issues in a timely manner.

Ability to work with minimum supervision or direction. Willingness to seek out and take responsibility for additional work assignments. Resist getting stale; committed to personal and professional development; self-directed in pursuit of resources that assist continuous learning. Supports innovation and organizational improvement initiatives. Works to implement organizational change. Actively supports company's mission statement of proving shareholder value through increased profitability, quality and growth by building loyal, profitable customer relationships within the tristate. Acts as a champion for change by encouraging peers to embrace change initiative.

QUALITY/QUANITY OF WORK

Eliminates roadblocks and distractions; remains focused. Adapts priorities to changing circumstances. Produces acceptable amount of work within established time limits. Maintains a high quality of work even as quantity increases.

No unnecessary, repetitious, and/or unacceptable levels of errors with work. Produces and maintains required, compliant, and accurate work. Is thorough in review of their work. Looks for ways to continually improve productivity. Adjusts workflows and prioritizes tasks.

ADHERENCE TO POLICIES & PROCEDURES

Demonstrates positive commitment to company's goals, initiatives, and policies and procedures through communication and actions. Compliant with maintaining customers, company and employee's confidential information. Uses good judgement in seeking guidance on a company policy or procedure. Honesty and integrity in handling all company, customer and employee related issues.

INTERPERSONAL RELATIONSHIPS

Ability to communicate clearly, accurately, concisely, and compelling to diverse personalities, on all levels, in both verbal and written communication. Ability to adapt communication methods based on situations and personalities. Ability to present to customers, co-workers and management with poise, authority, and clarity and to respond appropriately to questions, objections, or challenges. Strives to understand others' issues, opinions, and needs. Works to establish lasting professional relationships and earn the respect and trust of customers, co-workers and management. Resolves conflicts with others in a respectful, responsible and constructive manner. Shares thoughts, feelings, and rationale so that others can understand your position. Remains composed and does not become defensive and/or irritated when confronted with adversity. Is receptive to and implements suggestions for improvement. Demonstration of commitment to the directive of the organization by actively and positively supporting management decisions.

LEADERSHIP

Ability to organize people, work tasks, and resources to effectively accomplish company and/or department goals. Ability to manage the performance of others by with effective communication, coaching for improvement and guidance for growth. Effectively and promptly manages conflict. Demonstrates a strong sense of and works within a strong boundary of respect, integrity, maturity, responsibility, and ethics in all actions.

ADA REQUIREMENTS: Work is performed in a professional office environment. Role routinely uses standard office equipment such as computers, phones, copiers, scanners, printers, filing cabinets, and fax machines. Sitting for long periods of time; May be required to lift items weighing up to 25-lbs. Would require the ability to lift files, open filing cabinets and bend or stand as necessary. Reasonable accommodations may be made to enable qualified individuals with disabilities to perform the essential functions.

EQUAL EMPLOYMENT OPPORTUNITY POLICY: First Federal Savings Bank is proud to be an Equal Employment Opportunity and Affirmative Action employer. We are committed to providing equal employment opportunities to all employees and applicants for employment and prohibits discrimination and harassment of any type without regard to race, color, religion, age, sex, national origin, disability status, genetics, protected veteran status, sexual orientation, gender identity or expression, or any other characteristic protected by federal, state, or local laws. This policy applies to all terms and conditions of employment, including recruiting, hiring, placement, promotion, termination, layoff, recall, transfer, leaves of absence, compensation, and training.

* This may not be all-inclusive. Employees are expected to perform other duties as assigned or directed by management. s will be reviewed and may be modified when deemed appropriate by management. As business needs and staffing needs change, all positions at First Federal Savings Bank/Home Building Savings Bank are reviewed. Employee may be moved for business purposes to sustain business and staffing demands.