Market Branch Banker

Guaranty Bank and QCR Holdings, Inc.
Job Description

TITLE: Market Branch Banker

DEPT: Banking Center Operations

REPORTS TO: VP, Retail Administration Manager

LOCATION: Springfield,Springfield Missouri

CLASSIFICATION: Full-time

FLSA: Non-Exempt

PAY DIFFERENTIAL: 10% over hourly rate

CORPORATE OVERVIEW:

About Guaranty Bank:

In 1913, the first moving assembly line was developed by Ford Motor Company; it was also the year we officially opened for business in Springfield. A lot has changed within the century since we first opened, but one thing hasn't and never will — our commitment to our customers. More than 100 years of serving our community has provided us a long time to practice our philosophy of maintaining a personalized approach. In many cases, we've even served generations of your friends and family.

Our goal at Guaranty Bank is to be the premier financial institution in Southwest Missouri, achieved through relationship driven customer service and superior financial strength and performance. We are dedicated to meeting the financial needs of our surrounding communities and exceeding the expectations of our customers, team members, shareholders, and board of directors.

On April 1, 2022, Guaranty Bank, established in 1913, completed a merger with SFC Bank, established in 2008. The combined bank is a part of the QCR Holdings, Inc. family of banks, which operates 40 locations in Illinois, Iowa, Wisconsin, and Missouri.

Our Values: All Guaranty Bank and QCH Holdings team members are expected to maintain the highest ethical standards and demonstrate our core values of: Passion, Innovation, Collaboration, Achievement, Accountability, and Inclusion. In alignment with QCR’s culture, this individual will invest in relationships and accept accountability for cultivating a culture that’s welcoming and provides a strong sense of belonging and safe space to all people both internally and externally; while doing business within and on behalf of QCR, and all of its subsidiary entities.

Our Commitment: We are committed to fostering and preserving a culture of diversity, equity, and inclusion. It’s our differences – of every kind – that make our company and our communities better.

JOB SUMMARY:

The Market Branch Banker is primarily responsible for “meeting or exceeding client expectations” by providing a best-in-class client experience as a competitive advantage to current and prospective clients, both internal and external. Client interactions, both in person and over the phone, may include general account questions as well as complaints and other issues and will come from diverse individuals of many different backgrounds, abilities, and experiences with banking. The ability to quickly create a connection, establish a sense of rapport and professionalism, embrace a mindset of curiosity with challenging client issues, and listen with the intention of understanding are essential to the success of this role.

In alignment with Guaranty Bank and QCRH’s culture and employee strategic initiatives, this individual will invest in relationships and accept accountability for cultivating a culture that’s welcoming and provides a strong sense of belonging and safe space to all people, both internally and externally, while conducting business on behalf of Guaranty Bank, QCRH, and any and all of its subsidiary entities.

This position will be responsible for providing relevant, reliable, and timely information to key stakeholders in a consistent manner while maintaining the highest ethical standards and modeling our core values of: Passion, Innovation, Collaboration, Achievement, Accountability, and Inclusion. An active dedication to investing in community partnerships and participation is encouraged and part of our collective culture and brand.

ESSENTIAL FUNCTIONS:

· This role will require a flexible work schedule which will involve working at a variety of banking center locations during business hours to ensure staffing is appropriate to serve the needs of customers. There may be a need to commute to different banking centers during a shift, as needed.

· Top-tier customer service is expected while providing friendly, accurate, and efficient service to both customers and non-customers, developing a rapport with the bank’s regular customer base in order to ensure personalized service through a solid business relationship, and answering basic inquiries and providing information to prospective and current customers regarding interest rates, account charges, and other pertinent account information while complying with disclosure requirements, regulations and consumer privacy policies. Will also be required to perform research and assist with resolving customer problems in a professional and timely manner.

· Process in-person retail and commercial customer transactions, including receiving checking and savings deposits, cashing checks and processing withdrawals, accepting loan (mortgage, consumer, etc.) & other types of payments, and processing other related transactions and services (including, but not limited to, wire transfers, stop payments, cash advances, gift card and reloadable card sells and maintenance, personal money orders, cashier’s checks, Travelers’ Checks, cash advances, etc.)

· Recommend bank products and services to customers and prospects and promote and explain all types of bank products and services. This will include initiating conversations to uncover customer needs and being capable of closing the sale and/or referring customers to the appropriate staff and/or department. Will engage in cross-selling and business development activities both in person and over the phone in order to expand existing relationships and build new relationships with prospective customers while also maintaining a focus on contributing to the overall growth, profitability, and success of Guaranty Bank. Will be expected to consistently meet or exceed sales goals and cross-sell ratios set by management and may occasionally accompany managers or officers on outside sales calls.

· Open and maintain a variety of account types for personal and commercial customers, as well as assist customers in the selection of various accounts and financial services by assessing customer needs and explaining the benefits of appropriate Guaranty Bank products and services. Will also assist customers in the closing of accounts as requested.

· Perform various routine banking center activities, including; opening/closing the vault, recording and processing night depository bags, accepting and processing check orders, counting, checking and packaging coin and currency, balancing and replenishing Automatic Teller Machines, utilizing Cash Recycler Machine to accept and distribute cash to customers, and maintaining Safe Deposit Boxes as needed (send payment coupons/reminders; monitor past due accounts and send delinquent notices as required), and may perform functions of a Notary.

· Actively participate in sales, service and product training meetings.

· Contribute to the fulfillment of department and company objectives and goals, while performing as a team member in allocating and coordinating workflow. May be required to assist in training new employees, answering co-worker questions and providing leadership to less experienced employees. Expected to maintain effective co-worker relationships, suggest ideas to improve operational and/or sales activities, and contribute to and at times lead banking center huddles.

· Adhere to all department and company policies and procedures and follow applicable banking regulations, follow appropriate bank safety/security procedures, including proper banking center opening/closing routines and dual control measures, follow all requirements of the Customer Identification Policy, and examine checks deposited and determine proper funds availability based on regulation requirements and complete Hold Notices (place holds on accounts for uncollected funds).

· Consistently invest in building and growing key relationships, establish trust, and perform as a dependable, reliable, and valuable contributor to the overall success of the organization and must keep an open mind regarding additional project assignments, additional team support, considering new ideas, challenging bias and preconceived notions, and the ability to be both self-aware and self-reflective.

QUALIFICATIONS:

· High school diploma, technical certificate, or equivalent required.

· Prior experience in customer service, cash handling, and sales experience highly desired, however, background, experience, and the ability to create value are also strong considerations.

· Ability to use and learn different business tools and technological solutions. Must possess proficient computer skills, ability to perform data entry with a high level of accuracy, ability to use Microsoft 365 products, and provide clear, concise, and professional written communication when needed. Must possess or develop proficiency with Internet, Outlook, Word, Excel, 10-key, and Bank Software applications and excel in areas of math and finance.

· Must have the ability to remain flexible and withstand unpredictable changes to workflow and work schedule, with the potential of traveling to different branches throughout the workday.

· Must follow the Guaranty Bank Code of Conduct and other related policies and regulations, maintaining integrity, honesty and utmost ethical standards at all times. Must also uphold the Guaranty Bank company values.

· Ability to work successfully with diverse individuals, both internally and externally, of many different backgrounds and capabilities through issues that can be challenging and complex and carry a sense of urgency.

· Must have the desire and ability to provide and receive sensitive and confidential information in a manner that creates and maintains safe space and relies upon a strong emotional intelligence skillset.

· Ability to review, assess, prioritize, organize, manage, and execute on a variety of tasks simultaneously and work independently to meet the required deadlines assigned. Strong communication capability to articulate roadblocks, bottlenecks, the need for assistance, or the courage to take accountability with difficult challenges.

· Ability to comply with all requirements of the Bank Secrecy Act that are applicable to this position, as well as, with the Bank’s BSA Policy/Program and procedures. Employee will also participate in BSA training at least annually. Comply with the “spirit” of the Bank Secrecy Act as well as the law itself.

· Committed to fostering and preserving a culture of diversity, equity, and inclusion.

· Working conditions include an office environment in a professional business setting. Position requires travel to Operations Center and/or between banking centers. Must be able to lift and carry up to 50 lbs (teller drawer, cash bags, supplies, etc). Work pace can be very fast during peak periods of the day, week or month. Overtime may be required. Saturday hours are required.

· This position requires S.A.F.E. Act registration at the time of employment. The Nationwide Mortgage Licensing System (NMLS) web site (mortgage.nationwidelicensingsystem.org) provides the MU4R questions and registration required for employment in this position.

Guaranty Bank is an equal opportunity employer. All qualified applicants will receive consideration for employment without regard to race, color, religion, sex, disability, age, sexual orientation, gender identity, national origin, veteran status, or other protected class status.

It is the policy of Guaranty Bank to comply with the Americans with Disabilities Act by providing reasonable accommodations to enable qualified individuals with disabilities to access the job application and interview process, to perform the essential functions of the job, and to receive equal access to other benefits and privileges of employment.

Pay Grade/FLSA Status: 4; Non-exempt

CC: 920

Date Posted:

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