Financial Services Representative

2 weeks ago

Grand Junction, Colorado, United States OakStar Bank Full time


POSITION OVERVIEW

The Financial Services Representative plays a crucial role in managing new account transactions, guiding clients in their choices of various accounts and financial offerings, and promoting the Bank's suite of products and services. This position involves the initiation, maintenance, and closure of all account types, while also performing essential clerical tasks within the branch. The representative fosters positive relationships with customers and directs them to appropriate personnel for additional services.

Ensures adherence to all Bank policies and procedures, along with compliance with relevant state and federal banking regulations.

KEY RESPONSIBILITIES
  • Guides individual and business clients in selecting suitable accounts, products, and financial services offered by the Bank; actively identifies cross-selling opportunities using effective sales techniques.
  • Conducts teller transactions utilizing cash recycler machines for both lobby and drive-thru clients.
  • Engages with customers to gather necessary information; verifies identification for new clients; assesses the need for reference checks.
  • Makes informed decisions regarding the establishment of new accounts; assigns account numbers; completes necessary documentation requiring customer signatures; reviews credit histories; accepts initial deposits; prepares all related documents for processing various account types.
  • Utilizes computer systems to manage account activities, verify balances, and resolve issues within designated authority.
  • May represent the Bank at community events and civic functions to enhance the Bank's reputation and generate additional business opportunities.
  • Delivers exceptional customer service by addressing inquiries, investigating discrepancies, and resolving issues efficiently.
  • Issues official checks and manages safe deposit operations, including account openings, access control, customer assistance, and report processing.
  • Handles stop payment requests and hold orders with precision.
  • Presents funds from customer deposits to the teller; assesses fund availability and provides receipts to clients.
  • Processes credit reports, wire transfers, credit card applications, address modifications, and check orders.
  • Collects data and compiles various reports and callbacks as needed.
  • Answers phone calls and directs inquiries to the appropriate Bank personnel.
  • Processes lines of credit and debit card applications, including card ordering and maintenance.
  • Manages statements, renewal notifications, and interest payments for IRA and certificate accounts.
  • May assist in the daily opening and closing of the vault; helps balance vault currency and coin.
  • Trains less experienced branch staff to enhance their skills.
  • Prepares routine correspondence, reports, and forms as required.
  • Updates addresses on returned mail and ensures proper documentation for correspondence.
  • Maintains organized files, copies, faxes documents, and manages supply orders.
  • Treats all individuals with respect; honors commitments; inspires trust; operates with integrity; upholds organizational values; accepts accountability for actions.
  • Demonstrates knowledge of and compliance with EEO policies; respects cultural differences; promotes diversity; fosters a harassment-free work environment; supports affirmative action initiatives.
  • Adheres to policies and procedures; completes administrative tasks accurately and punctually; aligns with the Bank's goals and values; contributes positively through community involvement.
  • Performs duties safely, ensuring personal and others' health and safety, and reports any potentially unsafe conditions. Compliance with occupational safety and health standards is mandatory.
QUALIFICATIONS

The following specifications serve as general guidelines based on the minimum experience typically required for successful performance in this role. The qualifications listed below represent the knowledge, skills, and abilities necessary for satisfactory job performance. Individual capabilities may lead to variations from these guidelines.
  • High school diploma or equivalent (GED) with a minimum of 1+ years of relevant experience and/or training, or a combination of education and experience. Experience should ideally be in a banking context, with educational training from in-house sessions, formal schooling, or financial industry-related programs.
  • Fundamental experience and knowledge of branch operations, terminology, and products/services related to retail and commercial account customers.
  • Basic understanding of applicable state and federal banking compliance regulations and other operational policies of the Bank.
  • Proficient in computer terminal and personal computer operations, including mainframe systems, word processing, spreadsheets, and specialized software.
  • Basic typing skills to meet the demands of the position.
  • Basic mathematical skills: ability to calculate interest, commissions, proportions, and percentages; balance accounts; perform arithmetic operations using whole numbers, fractions, and decimals; identify routine mathematical errors; compute rates, ratios, and percentages.
  • Effective oral, written, and interpersonal communication skills; ability to follow instructions, interpret documents, understand procedures, write reports and correspondence, and communicate clearly with customers and colleagues.
  • Aptitude for addressing routine problems involving multiple facets and variables in standardized situations.
  • Strong organizational and time management skills.
  • Ability to work with general supervision while fulfilling responsibilities.
  • Possession of a valid STATE driver's license and a vehicle with appropriate insurance coverage if driving is required for job duties.

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