Horizon Bank in Houghton Lake is accepting applications for a Teller.
Job Overview
A Teller provides customers with proficient and accurate transaction processing. Maintains a strong customer focus to strengthen relationships to retain present customers and develop new business by providing Exceptional Service and Sensible Advice. Tellers preferably have more than 1 year of experience in payment processing and professional sales experience in a service-oriented environment.
Principal Accountabilities
Represent the Bank to the customer in a courteous, professional manner in face-to-face, drive through and telephone communications. Provide timely, efficient, and accurate service in processing transactions in accordance with all regulations, policies and procedures. Working knowledge of bank processes, products and services as well as banking regulations including Bank Secrecy Act (BSA). Develop and enhance customer relationships to identify cross selling and referral opportunities. Actively protect confidentiality of customer and account information. Demonstrate Horizon Bank's commitment to the communities in which we serve through active involvement in local organizations and events.
Duties
- Receive checks and cash for deposit to savings and checking accounts, verify deposit amounts, examine checks for endorsement and negotiability, and enter transactions into Bank records.
- Report suspicious transactions or unusual occurrences to supervisor.
- Process withdrawal requests, review documents for proper signatures, verify identity of customer and enter transactions into Bank records.
- Receive payments for loans, ensuring that payments equal the amount due and that all charges, if applicable, are collected.
- Issue financial instruments, such as traveler' checks, cashier's checks, etc. in accordance with Bank procedures.
- Update customer account information. Recommend bank products and services to meet customer's changing needs.
- Educate customers on digital banking services (mobile checking deposit, online bill pay, etc.) and encourage electronic banking and e-statement adoption.
- Responsible for balancing the day's transactions according to standard procedures, and auditing and investigating end of day balancing discrepancies until resolved.
- Apply risk assessment skills to all customer requests. Use risk management tools such as identification procedures, check holds, and Decision Making Guide. Participate in monthly risk assessment testing as required.
- Perform all work in compliance with established regulations, policies, and established procedures.
- Maintain customer confidence and protect bank operations by keeping information confidential.
- Participate in ongoing skill, compliance, risk management and security training as required for the position and apply knowledge in daily tasks.
- May be trained as vault teller responsible for management of cash inventories.
- Other duties as assigned.
Qualifications & Skills
- High school diploma or equivalent. Prior sales or banking experience preferred with one year of experience as a Bank Teller, or the equivalent combination of banking, payment processing and professional sales experience in a service-oriented environment.
- Ability to present a professional image and communicate with public, co-workers, management, customers and others in a courteous, positive and professional manner.
- Ability to read, process, understand and apply written training material content to daily activity.
- Ability to follow detailed instructions and a wide range of procedures requiring sound judgement.
- Requires concentration to avoid mistakes in counting cash.
- Ability to perform basic mathematical computations using various business machines and/or computers.
- Must have proficient typing and computer skills.
Core Competencies
- Active Listening
- Relationship Building
- Attention to Detail
- Risk Management
- Customer Focus
