Teller

Southern Michigan Bank & Trust, established in 1872, is a staple in the communities we serve with our mission to be a trusted partner working for the betterment of our communities. Our commitment to our core values holds our employees to a higher standard. Our core values are we act with integrity, we are accountable, we are passionate, and we are better together. 

SUMMARY:

This position is responsible for delivering high-quality customer service by explaining and processing financial services, ensuring accurate recordkeeping, and consistently adhering to all organization policies and procedures. The employee is expected to maintain a positive and respectful attitude, communicate regularly with their supervisor, manage time effectively, prioritize workload efficiently, and report to work prepared and on time. This role requires meeting or exceeding departmental productivity standards, maintaining strict confidentiality regarding SMBT operations and customer information, and actively participating in required staff and departmental meetings, along with performing all other duties as assigned.

ESSENTIAL DUTIES, RESPONSIBILITIES, SKILLS:

• Build and maintain customer relations by providing high quality customer service
• Assist customer from start to finish acting as a full relationship manager
• Performs normal teller duties daily
• 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 and close accounts using needs-based techniques
• Assist customers with understanding consumer loan options, preparing applications, and completing loan closings in a professional and compliant manner
• Assist customers with understanding electronic services, Wealth Management and Commercial/Mortgage loan services and make referrals to these departments when possible
• Participate in outbound calling or business development efforts to support branch goals
• Solve branch operations matters
• Understand and support marketing initiatives
• Maintain a clean and professional work area
• Assist with lobby management and ensure branch appearance standards are met
• Service, audit, and balance drawers, vaults, TCRs, PTM, coin machine 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
• Discuss and process overrides for less experienced tellers
• Mentor/train incoming Tellers/Universal Bankers
• Follow all security, compliance, and regulatory requirements
• Complete required bank training, including security, fraud, compliance, and customer service

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. The requirements listed below are representative of the knowledge, skill and/or ability required. Reasonable accommodation may be made to enable individuals with disabilities to perform the essential functions. 

EDUCATION and/or EXPERIENCE:

• High school diploma or general education (GED) is required
• Cash handling experience, retail, or financial experience preferred.
• Customer service experience is highly preferred.

INTERPERSONAL SKILLS:

This position is required to deal with internal as well as external customers, in a positive, “Quality Customer Service” manner. An open, willing to assist approach to work is expected along with the ability to work beyond their 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 in a professional manner.

PHYSICAL DEMANDS:

While performing the duties of this job, the employee is regularly required to talk or hear. The employee frequently is required to sit; use hands to finger, handle or feel; and reach with hands and arms. The employee is occasionally required to stand; walk; climb or balance; stop, kneel, crouch, or crawl. The employee must frequently lift and/or move up to 15 pounds and occasionally lift and/or move up to 25 pounds. Specific vision abilities required by this job 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.