Customer Service Representative / Financial Associate

Job Description

Job Description

Customer Service Representative - Financial Associate
FLSA Status: Non-Exempt (Hourly)

RB&T Mission Statement:

As a trusted partner and friend, River Bank & Trust helps our neighbors and the businesses in our communities to reach their financial goals.

Position Summary :

The Customer Service Representative "CSR" / Financial Associate is responsible for assisting new and existing customers with the processing of transactions involving various personal and business accounts and financial services. The CSR also meets the needs of our customers by providing unmatched hospitality.

Essential Duties and Responsibilities :

Reasonable accommodations may be made to enable individuals with disabilities to perform the essential functions. The essential functions may include, but are not limited to the following:

• Must be able to efficiently identify all of the customer's needs and excel in referring other products within all of the other lines of business that the bank may offer. This will be done by maintaining knowledge of both personal and business products.
• Handles incoming calls and communications including greeting walk-in guests, prospects, and clients.
• Professionally, courteously and promptly greet and acknowledge all customers that walk into the Office
• Provide various account services to customers by receiving deposits and loan payments; cashing checks; issuing savings withdrawals; recording night and mail deposits; selling official checks
• Complete special requests such as taking orders for checks; preparing official checks; exchanging foreign currencies; providing special statements, copies, and completing safe-deposit box procedures.
• Verify endorsements, receive proper identification, ensure validity, and identify counterfeit currency.
• Examine checks deposited and determine proper funds availability based on regulatory requirements and complete hold notices when necessary and according to policy
• Balance cash drawer periodically throughout the day and/or at least daily
• Open and close all account types, while preparing the proper documentation
• Initial gathering and understanding of proper identification/documentation of the requirements to open a new account or make changes
• Provide ongoing maintenance to existing or closed accounts to include, but not limited to: process wire transfer requests, stop payments, name and address changes
• May represent the Bank in various community functions with a high level of integrity and professionalism
• Prepare necessary reports, perform various clerical duties and/or miscellaneous projects and duties as assigned by Management
• Special projects and/or other duties as assigned by Management.

Minimum Qualifications :

• High School diploma or equivalent
• 1-2 years Customer Service Representative experience preferred

Skills, Abilities & Expectations :

• Stay familiar with and follow policy and procedures.
• Support Management's decisions and goals in a positive, professional manner.
• Stay abreast of regulatory requirements and complete annual compliance training applicable to the position
• Ability to apply general accounting knowledge processes (debits, credits, balancing)
• Assuring customer service is top priority whether internally or externally; treating customers and employees professionally, with courtesy and respect
• Maintain confidentiality of all customer records, accounts and transactions
• Ability to work in a fast-paced team environment, handle multiple tasks, and prioritize work
• Detail oriented and organized
• Excellent interpersonal and communication skills
• Integrity, discretion, and respect for confidential information are absolutely essential
• Willingness to adapt to change
• Work within a variety of different software and web applications
• Able to prioritize duties and effectively manage time
• Analytical and problem-solving skills
• Attend work on a regular basis, on time, and withstand varying degrees of stress
• Excellent interpersonal and communication skills
• Maintaining a professional, business-like appearance and demeanor
• Proficiency in Microsoft Office products to include: Word, Excel, and Outlook

Physical Demands :

The employee will occasionally lift and/or move up to 25 pounds. The employee will regularly sit; talk; hear; and use hands to finger, handle or feel. The employee will occasionally stand; walk; reach with hands and arms; climb and balance; and stoop, kneel, crouch, or crawl. Special vision requirements include close, distant, and peripheral vision; depth perception; and the ability to adjust focus. The noise level in the work environment is usually moderate. The work environment and physical demands are those of a standard retail branch setting. Reasonable accommodations may be made to enable individuals with disabilities to perform the essential functions of the job.

Disclaimer :

The above information has been designed to indicate the general nature and level of work performed within this job. It is not designed to contain or be interpreted as a comprehensive inventory of all duties, responsibilities, and qualifications required of employees assigned to the job. Incumbent must attend work on a regular basis, on time, and withstand varying degrees of stress. This position description describes the minimum selection requirements to qualify for the position. Promotion and other employment decisions are based on employer needs, being in good standing, fully competent performance, and other non-discriminatory subjects.