GENERAL SUMMARY (What is done and why)
The Teller position is primarily responsible for performing a variety of customer services such as cashing checks, receiving and processing deposits, payments and withdrawals for individual and business accounts. Cross-sells Bank's products and services while processing transactions and answering questions from existing and prospective customers. Work is varied in nature with changing priorities. Incumbent applies general knowledge of Teller operations to work performed. Works under general supervision and in compliance with established policies, procedures and regulations.
ESSENTIAL FUNCTIONS (Majority of duties, but not meant to be all inclusive nor prevent other duties from being assigned as necessary)
Functional:
- Accepts and processes checking and savings deposits including night deposits; inspects deposit tickets and deposited items for completeness and correctness; validates customer receipts. Places holds on accounts to identify uncollected funds.
- Cashes checks and savings withdrawals within prescribed limits. Redeems savings bonds.
- Sells and prepares cashier's checks.
- Accepts and processes all types of loan payments, and check orders.
- Prepares daily totals and corresponding tickets for transactions. Assembles and prepares within established schedule, all transactions for timely processing.
- Monitors and maintains an adequate supply of currency and coin; balances cash drawer according to established schedule and performance standards. Sells excess coin and currency to vault, or buys coin and currency to maintain minimum but adequate drawer supply.
- Responds to customer inquiries regarding basic account information (e.g., account balance, check clearance, etc.). Prints account history if time allows.
- Provides customers with product information.
- May open or close branch, main vault or night deposit vault for the day.
- May open, replenish or balance branch's ATM machine according to established schedule.
- Processes change orders.
- Provides customer services such as stop payment requests, telephone account transfers, check order, and notary services. Closes accounts.
- Completes CTR's for IRS.
WORKING CONDITIONS (Typical working conditions associated with this type of work and environmental hazards, if any, that may be encountered in performing the duties of the position.)
Internal - Work is normally performed in climate controlled office environment, where exposure to conditions of extreme heat/cold, poor ventilation, fumes and gases is very limited. Noise level is moderate and includes sounds of normal office equipment (computers, telephones, etc.). Work involves potential exposure to dangerous criminal activity. Work may be interrupted at any given time. Must be able to return to it without making errors.
External - N/A
PHYSICAL DEMANDS (The physical effort generally associated with this position.)
Work involves standing and walking for extended periods of time and potential eyestrain from reading detailed printouts and computer screen. Deadlines, disgruntled customers and workloads during peak periods may cause increased stress levels. Work may include occasional pushing, pulling, or carrying objects weighing up to 20 pounds such as cash drawer, files, documents, coin, and computer printouts; occasionally includes moving objects weighing up to 50 pounds. Work normally requires finger dexterity and eye-hand coordination to operate computer keyboard at a moderate skill level.
WORKING RELATIONSHIPS/CONTACTS (Positions, other than supervisor and immediate co-workers, with which incumbent has frequent contact and the reason for contact.)
Internal - Primarily within own Branch; occasional contact with associates at the Bank's main location and other Branches.
External - Frequent contact with customers to provide customer service and business development; limited contact with other financial institutions.
Supervision of Others -N/A
ACCOUNTABILITY (Budget/asset amount managed, revenues/profits produced, and/or other financial resource incumbent is accountable for. Also indicates judgment/decision making level.)
This position is responsible for the management of assigned cash drawer, accuracy and processing of transactions received, and for providing quality customer service.
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KNOWLEDGE, SKILLS & ABILITIES (Minimum education, experience, technical and communication skill levels and licenses/certificates normally required to perform the duties of this position.) - Moderate math skills (addition, subtraction, multiplication, division).
- Ability to operate CRT, teller machine, and 10-key calculator.
- Ability to understand and apply all teller services, policies, and procedures including Bank Secrecy Act and Audit requirements.
- Ability to understand and explain all retail products and services in order to sell Bank products and services and to respond to customer inquiries.
- Ability to understand and operate retail computer systems and applications.
- Intermediate oral and interpersonal skills with ability to recognize and respond to sales opportunities.
This level of knowledge is normally acquired through completion of a high school diploma, or equivalent, and 6 months’ cash handling experience in a retail environment and completion of in-house Teller Training course. |
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