Customer Relationship Specialist

2 weeks ago


Geneva, Indiana, United States Farmers and Merchants State Bank Full time
Position Overview

The role of the Personal Relationship Banker serves as the primary representative of the bank, dedicated to delivering outstanding service to clients who value in-person interactions. This position requires a comprehensive understanding of customer transaction needs and the ability to clearly communicate all available options. The banker will educate clients about the bank's offerings and recommend suitable products and services tailored to their financial requirements. Additionally, this role involves directing customers to the appropriate resources to fulfill their needs. Responsibilities include processing consumer loan applications, establishing deposit accounts, and managing routine transactions, such as cash handling and record-keeping, with precision and efficiency.

Key Responsibilities

- Welcome clients to the bank, providing information and directing them to the appropriate personnel as needed.

- Demonstrate a solid understanding of bank products and services, actively listening to customer needs and aligning them with relevant offerings.

- Assess the requirements of potential clients and suggest appropriate financial solutions while utilizing internal controls.

- Prepare documentation for new customer accounts, including necessary forms and services such as direct deposit and automatic bill payments.

- Manage various deposit products, including:
  • Certificates of Deposit: opening, closing, deposits, and withdrawals.
  • IRAs: handling openings, distributions, and contributions.


- Process applications for credit cards, personal loans, auto loans, and home equity loans, ensuring compliance with lending policies.

- Schedule consultations with Home Loan Originators and provide education on available home loan options.

- Maintain ongoing customer relationships by updating clients on their account status and suggesting enhancements to their banking experience.

- Address customer inquiries promptly and resolve complex transaction issues.

- Promote and cross-sell bank products and services that align with customer needs, including investment options.

- Drive new business initiatives to support the profitability objectives of the branch.

- Handle deposits, verifying amounts and ensuring accurate transaction entries in the bank's records.

- Cash checks and manage withdrawals, ensuring proper verification of signatures and account balances.

- Maintain and balance the assigned cash drawer throughout the day.

- Answer incoming calls, take messages, and provide information as needed.

- Adhere to established security protocols to protect customer information and maintain confidentiality.

- Assist clients with Interactive Teller Machines (ITM) as required.

Qualifications

- Education: Associate's degree preferred, along with 3-5 years of experience in retail banking. Familiarity with retail branch operations and customer service practices is essential.

- Language Skills: Proficient in reading and interpreting documents, with strong verbal communication skills.

- Mathematical Skills: Ability to perform basic calculations and understand financial figures.

- Reasoning Skills: Capable of applying common sense to follow instructions and resolve issues.

- Computer Skills: Proficient in Microsoft Office Suite and capable of using banking software effectively.

- Certifications: Valid Driver's License; Notary Public Commission; Registered Federal NMLS; Universal Banker Certificate.

Physical Requirements

- Ability to stand or sit for extended periods and move efficiently between departments.

- Proficient use of a computer for long durations.

- Frequent telephone communication.

This position typically requires availability Monday through Saturday, with flexibility for extended hours as necessary.
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