First Bank & Trust is seeking a highly motivated professional to promote and deliver deposit and retail loan products & services to customers and prospective customers of the Bank.
Essential Duties and Responsibilities are listed below. Other nonessential duties may be assigned.
Delivers exceptional customer service through a positive attitude, and the promotion of products and services offered by the bank.
Establish individual Retail Banking relationships and deliver exceptional customer service while functioning as a Personal Banker.
Performs New Deposit Account and Consumer Lending Representative duties through the
Development and maintenance of an in-depth level of retail banking products and services knowledge.
Promotion of retail banking products and other bank services to existing and prospective customer through profiling and analyzing data to identify banking needs and conclude creditworthiness, cash management techniques, investment strategies, insurance needs and budgetary solutions.
Assists customers in opening deposit products and services.
Completes Consumer Lending applications and assists in the processing and closing of the loans according to the written procedures for those products and services.
Cross sells Mortgage and Commercial Lending Products, referring customers and prospective customers to appropriate staff.
Maintains an in-depth knowledge of basic deposit products and services (DDA, SAV, CD, and MMA), as well as intermediate knowledge of other deposit products such as Health Savings Accounts and Individual Retirement Accounts.
Maintains an in-depth knowledge of retail loan products and services (Home Equity Lines of Credit, Auto Loans and Personal Loans), as well as an intermediate knowledge of other loans products such as Mortgage and Commercial Loans.
Maintains a basic understanding of other bank products and services such as Safe Deposit Boxes, trust, investment.
Assists customers in opening new deposit account(s) by developing a thorough understanding of their needs, and then discussing features and benefits of the appropriate deposit product(s).
Receives and resolves deposit and consumer loan related customer service issues as they may arise.
Completes new deposit account documentation procedures and consumer loan procedures as outlined in bank policies, and within established time frames.
Handles additional customer inquiries and functions such as stop payments, holds, internet banking, telephone banking, and safety deposit boxes.
Explains, promotes, or sells products or services such as gift cards, savings bonds, money orders, and cashier's checks.
Keeps a professional appearance, and remains consistently punctual for scheduled shifts with bank policy.
Stays compliant with all bank policies and procedures, and keeps current with training as provided by supervisor or Human Resources.
Recognizes privacy regulations, and maintains a high degree of confidentiality regarding customer information and internal issues.
Maintains a cash teller drawer and transacts business when necessary.
Answers telephone as needed.
Deposit, Branch and Bank Operations Duties:
Ensures efficient functioning of branch by training employees in customer service and banking procedures as well as assigning duties and creating work schedules for said employees in both written and oral form.
Works in concert with Champaign County Deposit Manager during staff increasing and decreasing periods, as well as during employee review and disciplinary periods.
Verifies and audits teller balancing activities as required.
Ensures the completion of both weekly reports and monthly reports as assigned by Champaign County Deposit Manager.
Maintains accuracy and security of branch deposit operations through the establishment and maintenance of standardized procedures for balancing, money ordering, vault control, teller review, check authorization, and other security procedures.
Maintains the ATM by monitoring the balance, replenishing the cash and assuring the electronic monitoring of the unit.
Services the Branch Consumer Lending Portfolio including the oversight of original files, notes, titles, insurance, security instruments and final documentation. Performs collection efforts by reviewing the delinquency reports (weekly, monthly) and directly contacting delinquent customers. Reports to the Retail Business Development Manager and the Collection Manager.
Monitors and maintains the branch facility and operations such as branch appearance, vendor usage, budget, and performs daily operation maintenance.
Maintains the overall security of the Branch including the electronic monitoring systems. Assigns codes to new employees and oversees the maintenance of all employee’s passcodes and keys.
Updates and maintains Banking Center Operations Manual.
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.
Bachelor’s degree from a four year college or university and a minimum of one years related experience, or a certificate from a two year college with a minimum of two years of related experience. Management experience preferred;
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 communicate effectively to individuals or groups of customers or employees of organization.
Ability to calculate figures and amounts such as discounts, interest, commissions, proportions, and percentages. Ability to apply concepts of basic algebra and geometry.
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.
Word processing, Spreadsheet maintenance
Directly supervises all Customer Service Representatives, New Account Representatives and Personal Bankers in the Branch. Carries out supervisory responsibilities in accordance with the organization’s policies and applicable laws. Responsibilities include planning, assigning, and directing work; appraising performance; rewarding and disciplining employees; addressing complaints and resolving problems.
The work environment characteristics described here are representative of those an employee encounters while performing the essential functions of this job. Reasonable accommodations may be made to enable individuals with disabilities to perform the essential functions.
While performing the duties of this job the employee is occasionally exposed to fumes or airborne particles; risk of electrical shock and risk of radiation.
The noise level in the environment is moderate.
The physical demands described here are representative of those that must be met by an employee to successfully perform the essential functions of this job. Reasonable accommodations may be made to enable individuals with disabilities to perform the essential functions.
While performing the duties of this job the employee is regularly required to use hands to finger, handle, or feel; reach with hands and arms and talk or hear. The employee is frequently required to sit. The employee is occasionally required to stand; walk and stoop, kneel, crouch, or crawl. The employee is occasionally required to lift up to 50 pounds. The vision requirements include: close vision, distance vision, peripheral vision, depth perception and ability to adjust focus.
First Bank & Trust, IL is a community bank working every day to support the individuals, families, and business owners in Champaign, Edgar, and Clark counties. The principal operating subsidiary of First BancTrust Corporation, First Bank offers a wide range of banking, lending, and financial services through our offices in Champaign, Marshall, Martinsville, Paris, Rantoul, and Savoy, IL. We operate every day to achieve our mission of excellence that our customers have come to expect from us.