Floater- Universal Banker for Rural Region

Provides financial solutions and quality service to existing and potential customers in an effort to meet their needs. Under general supervision, demonstrates the ability to analyze, identify, establish, manage, and retain relationships. Must demonstrate a customer service orientation with effective problem solving skills and the ability to convey a positive attitude while interacting with customers, both external and internal. Works as a part of a location team in attaining bank goals and striving to improve the profitability of the bank.

Includes the following: Other duties may be assigned:

 Products/Sales:

• Explains products/services available and assists in the selection of the most appropriate product/services for the customer.
• Calls on potential or existing customers to develop new business or retain existing business.
• Interviews customer to adequately perform assessment of financial needs. Corresponds with or interviews applicant or creditors to resolve questions regarding application information.
• Cross-sells the Banks’ products/services.

 Service:

• Exhibits superior customer service as an Austin Bank team member. Demonstrates high quality relationship building techniques to ensure the customer receives the best possible solution to their banking and financial needs. Helps promote a loyal relationship between the customer and Austin bank.
• Provides prompt, efficient, and friendly service to customers and potentials customers.
• Open deposit personal and business accounts, process teller transactions, take loan applications, respond to customer inquiries, resolve issues, recognize and refer cross-sell opportunities as appropriate.
• Performs all transactions according to specified guidance and prepares all required documentation.
• Answers telephone calls taking messages, forwarding calls or providing assistance to customers as needed.
• Verifies next day new account information and account file maintenance.
• Cross-trains in other areas in order to provide assistance. Provides back up as needed to insure quality customer service.
• Assists customers in preparing documentation on debit card and ACH disputes
• Performs duties regarding safe deposit boxes; i.e. opens/closes boxes, assists in box entry, maintains and audits safe deposit box records, schedules drilling of boxes, etc.

 Operations:

• Participates in developing a teamwork atmosphere with co-workers as part of branch location by attending meetings, participating in discussions, treating co-workers with respect and courtesy, and contributing to departmental goals.
• Has a clear understanding of banking regulations pertaining to deposit and loan products.
• Ensures all documentation on new loan and/or deposit accounts is complete and accurate according to policy.
• Obtains information for outgoing wire transfers and processes in accordance to Wire Transfer procedures.
• Maintains an organized, clutter-free and adequately supplied work area.
• Maintains compliance with Bank policies, procedures, goals and objectives. Adheres to procedures for customer confidentiality.
• Places holds on checks accepted for deposits, if warranted, in accordance with regulations.
• Maintains teller cash drawer within required limits.
• Accepts Loan Payments
• Completes Currency Transaction and Official Check transaction reports

Employee is responsible to understand and comply with regulatory requirements for financial transactions, most specifically Bank Secrecy Act (BSA) and Customer Identification Program (CIP) as it relates to specific job functions.

Has a responsibility to stay abreast of company communications by reading publications, announcements and company e-mails, etc. Takes advantage of appropriate communication channels regarding bank related business matters.   

Develop personal skills and capabilities through on-going training, as provided by the company or elsewhere subject to Company approval. 

Uphold and safeguard the organizations values particularly relating to ethics, integrity, and confidentiality both internally and externally.

Enhances professional growth and development through participation in education programs, current literature, and in-service meetings, etc.

Travels as required to assigned offices.

Reports to work regularly and promptly.

Maintains and adheres to a schedule of work assignments.

Maintains and submits records to supervisor showing time worked and expenses incurred for travel.