Retail Banker

at  Old Dominion National Bank

SUMMARY:

Retail Bankers serve as the front line of the Retail Branch, performing both platform and teller line duties. As a Retail Banker II there is an increased focus on exceptional service and platform sales abilities, as well as an elevated comfort level with platform duties.

REQUIRED EDUCATION AND EXPERIENCE:

• High school diploma or GED strongly preferred.??
• 2 year or more of banking experience required.
• Customer service experience required.

ADDITIONAL ELIGIBILITY QUALIFICATIONS:

None required for this position.

ESSENTIAL FUNCTIONS:

Perform all duties typically designated to the teller role, to include but not limited to the following:

• Receive checking and savings deposits: verify cash and endorsements, receive proper identification for cash back and issue receipts of deposit.
• Examine checks deposited and determine proper funds availability based on regulation requirements and complete hold notices.
• Process checking and savings withdrawals.
• Cash checks: verify endorsement, receive proper identification and ensure validity.
• Cashing on-us checks and transit checks with a thorough understanding of the difference.
• Issuing cashier checks with a thorough understanding of the process, and obtaining the proper approval signatures.
• Identify counterfeit currency.
• Answer basic customer inquiries regarding interest rates, service charges and account histories while complying with disclosure requirements, regulations and consumer privacy policies.
• Cross-sell bank products and services.
• Accept loan payments: verify payment amount and issue receipts.
• Buy and sell currency from the vault as necessary, ensuring that teller drawer cash limits are not exceeded.
• Balance drawer daily, including periodic batching of cashed checks.
• Analyze transactions and make the appropriate decisions for approving RBI transactions.
• If needed in the absence of a Senior Retail Banker or Retail Bank Manager: decision overdrafts, wires, negotiable instruments, etc. while utilizing the tools provided and acting within the authorities of the position.
• Act as Notary Public.
• Follow all bank policies and procedures.

Perform all duties typically designate to the role of new accounts representative, to include but not limited to the following:

• This role will be a primary new account representative within the branch and is responsible for assisting with meeting all team sales goals and metrics.
• Open, close and maintain all deposit products while cross-selling bank products and services based on customer needs in accordance with the banks’ program standards.
• Research and resolve customer problems, acting as the customer liaison between other bank departments when necessary.
• Research customer questions regarding electronic funds transfers and initiate “Reg E” disputes when appropriate, including the completion of all necessary documents and affidavits.
• Perform customer requested research, including printing statement and check copies.
• Contact customers to obtain necessary signatures on items with missing or irregular signatures.
• When requested, attend external business development/networking opportunities in an effort to grow deposits.
• Follow all bank policies and procedures, inclusive of all Retail Department specific internal procedures.
• All employees will be responsible for understanding and complying with the letter and spirit of all government regulations including, but not limited to the Bank Secrecy Act, that apply to the bank’s specific operations.

Requirements:

OTHER DUTIES:

Please note this job description is not designed to cover or contain a comprehensive listing of activities, duties or responsibilities that are required of the employee for this job. Duties, responsibilities and activities may change at any time with or without notice