PT - Associate Banker

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