FUNCTION: This position provides excellent customer service and a full range of banking services with an emphasis on developing, building and retaining strong customer relationships for customers with basic deposit and lending needs. Processes routine and complex teller transactions efficiently and accurately while meeting the Bank's Customer Experience standards and may have vault cash and ATM responsibilities. Contributes to the overall sales growth of the Bank by engaging in customer conversations to develop rapport, explore financial needs and goals and recommend solutions. Engages business partners to provide more expert assistance as appropriate. May assume responsibility for the Branch in the absence of the Branch Manager, Assistant Branch Manager, Relationship Manager or Retail Loan Specialist.
ACCOUNTABILITIES
Customer Experience:
Promotes a customer-centered culture and attitude among staff
Builds relationships by providing the highest level of service, demonstrating You Matter More to each customer, getting to know customers on an individual basis
Engages in conversations and demonstrates basic consultative sales skills to understand customer needs and financial goals, offers solutions as appropriate or refers to other team members in accordance with Bank strategy
Understands the Bank's products and services and how they benefit customers, promoting as appropriate
Embraces and utilizes the Bank's sales and coaching process, completes action plans in an effort to meet goals
Sales and Servicing:
Serves as the primary in-branch sales and service contact by opening consumer and Maine Street business deposit relationships as well as processes and closes basic consumer loan requests in compliance with Bank policies and procedures
Provides customers with information on products and services, rates, service charges and fees as well as other relevant information
Maintains a high level of knowledge on all deposit products and services as well as basic consumer loan products
Understands business partner relationships and refers to other team members in accordance with Bank strategy
Demonstrates ability to handle routine service issues independently, refers customers to appropriate staff for advanced problem resolution
Researches and resolves problems either through direct action or referral to and follow up with other Bank resources
Answers written and telephone inquiries from customers concerning bank services
Customer Transactions:
Accurately, efficiently and courteously processes transactions in compliance with Bank policies and procedures
Performs routine and more complex transactions independently and correctly, acts as a resource to others
Maintains accurate cash and transaction records, meeting established teller performance standards
Demonstrates ability to handle more complex transaction issues independently, refers customers to appropriate staff for advanced problem resolution; acts as a resource to others
Determines the necessity of placing holds on items presented for deposit
Maintains awareness of current fraud alerts and identifies fraudulent activity
Utilizes non-transaction processing time effectively by engaging in value added activities
Compliance and Control:
Understands, demonstrates competency and maintains knowledge of the Bank's operational and risk management policies as well as the Bank's security policies and procedures
Assists in ensuring that the Bank is in compliance with local, state and federal regulations
Assists in completing operational and audit functions within the Branch
General:
Interacts harmoniously and effectively with others, focusing upon the attainment of bank goals and objectives through a commitment to teamwork
Conforms to acceptable punctuality/attendance/professionalism standards as expressed in the Employee Handbook
May train or assist in training new employees
Performs additional duties as requested
Travel to other branches for coverage may be required
COMPETENCIES:
Integrity/Ethics - deals with others in a straightforward, honest manner, is accountable for actions, maintains confidentiality, supports company values, conveys news good or bad
Vision/Values - Supports company mission/values through daily actions and decisions, communicates the Bank's vision, mission and values to others
Adaptability/Flexibility - adapts to change, is open to new ideas, takes on new challenges
Initiative - takes action, operates as a pro-active self starter, acts on opportunities to improve
Interpersonal Skills - has good listening skills, excellent customer service skills, able to communicate clearly and professionally both in telephone and written communication
Productivity - manages time well, handles information flow well, strong multi tasking skills with the ability to prioritize and organize work flow, accepts accountability, meets accuracy standards
Decision Making - able to think through a problem, following proper steps in finding resolution
Teamwork - Team player with a positive attitude, promotes a team atmosphere, selflessly pitches in, shares information, partners well with others, willingly assists co-workers and share responsibilities
Sales Skills - applies sales skills to identify customer needs and refer to appropriate business partners, translates product features to benefits, cross -selling skills, ability to identify and act on sales opportunities, works to develop sales skills
KNOWLEDGE/SKILLS/EXPERIENCE REQUIRMENTS:
High school diploma or equivalent
Two years experience in retail banking, lending, sales, customer service and/or cash handling experience
Demonstrated basic lending proficiency
Demonstrated personal computer literacy
PHYSICAL DEMANDS/CONDITIONS REQUIREMENTS
General office environment
May be required to move bags of coin short distances. Moderate lifting (up to 50 lbs.) required.
Moderate reaching, walking, sitting and standing required
EQUIPMENT USED
General office equipment
External and internal applications, as well as position incumbents who become disabled, must be able to perform the essential functions (as listed) either unaided or with the assistance of a reasonable accommodation to be determined by management on an individual basis.
At Bangor Savings, we understand the importance of continuing to nurture an internal culture of excellence for each of our employees. We offer internal and external training to assist our employees in realizing their career aspirations including internships, lateral training, management training, and tuition reimbursement.
We also offer a unique set of benefits designed to support our employees in living their best life and achieving their goals. Our holistic health and wellness programs allows each employee to customize their approach to well-being. And our pay, rewards, recognition, and incentive programs ensure that they are well-compensated for a job well-done.
At Bangor Savings Bank, the work our employees do each and every day allows us to deliver on our promise to make a difference in the lives of people in New England in a way that really matters.
Bangor Savings Bank provides equal employment opportunities to all applicants and employees without regard to race, color, religion, gender, sexual orientation, age, national origin or any other class protected under state or federal law and affirmatively seeks to advance the principals of equal employment opportunity. In addition, the Bank is committed to providing equal employment opportunities to qualified persons with disability, veterans, and/or disabled veterans. No question on this application is intended to secure information to be used for such discrimination, this application will be given every consideration, but its receipt does not imply that the applicant will be employed. This application will remain active for a period of 90 days. If, after such time, you still wish to be considered for employment, you must reapply. Bangor Savings Bank does provide workers compensation coverage for employees injured on the job. It is unlawful in Massachusetts to require or administer a lie detector test as a condition of employment or continued employment. An employer who violates this law shall be subject to criminal penalties and civil liability.
