Job Description

Sell Bank products and services while using the sales skills that have been learned in sales training. Accept cash items from customers for deposit, handle withdrawal and deposits from savings and checking accounts and take loan and credit card payments. Cash checks within the limits of the Bank policies. Works at various offices on an as needed basis.

OBJECTIVES OF THIS ROLE:

• Utilize sales training skills to provide outstanding customer service, have complete knowledge of bank products and services and utilize BN Control for referrals and follow up.
• Receive deposits or checking and savings accounts and process other customer transactions.
• Cross-sell all bank products, including FM Investments.
• Comply and satisfactorily pass tests for bank policy and regulatory compliance that apply to position.

RESPONSIBILITIES:

• Cash checks in accordance with Bank procedures.
• Receive loan payments and refer customers with questions about home loans, consumer, other loans and credit card accounts to appropriate lender.
• Balance cash drawer and reports discrepancies to the Personal Relationship Banker Supervisor as necessary.
• Issue money orders, cashier's checks, and stop payments.
• Make concentrated effort to solve customer problems.
• Open night deposit, record and process transactions while maintaining dual control.
• Utilize a coin wrapper and coin sorter to manage coin inventory and coin transactions.
• Keep safe deposit box records and assist customers with entry to safe deposit boxes.
• Redeem savings bonds.
• Promptly report malfunctions of equipment to supervisor.
• Clean and maintain teller area, general office cleaning, and decorating.

Requirements

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 education degree (GED); or one to three months related experience and/or training; or equivalent combination of education and experience. Computer experience, customer service and cash handling experience, preferred.

LANGUAGE SKILLS

Ability to read and interpret documents such as safety rules, operating and maintenance instructions, and procedure manuals. Ability to write routine reports and correspondence. Ability to speak effectively before groups of customers or employees of 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 and to draw and interpret bar graphs.

REASONING ABILITY

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

ADDITIONAL REQUIREMENTS: CERTIFICATES, LICENSES, REGISTRATIONS

• Valid Driver’s License

COMPLIANCE:

• As generally applicable to F&M Bank and commensurate with these job functions, this job role includes accountabilities for following Bank policies and related procedures, as well as regulatory requirements involving federal and state laws, regulations, and related guidance.
• Compliance with Bank Secrecy Act (BSA), including accurate completion of Currency Transaction Reports (CTR) when applicable, Anti-Money Laundering Act (AML), Office of Foreign Asset Control (OFAC) and the USA PATRIOT Act. Adhere to Customer Identification, Customer Due Diligence and reporting of suspicious activities to the BSA Department.

NON-EXEMPT/HOURLY COMPETENCIES:

• Job Knowledge: Understands duties and responsibilities, possesses necessary job knowledge and technical skills, maintains job knowledge current.
• Productivity: Manages a fair workload, volunteers for additional work, prioritizes tasks, develops good work procedures, manages time well, and handles information flow.
• Attendance: Employee is expected to adhere to the attendance and break policy and communicate with your supervisor about anticipated time off or modifications to break times.