Career Details

Job Summary: The Customer Service Specialist (CSS) I is responsible for directly servicing customer’s needs. They should be knowledgeable regarding the bank products and services. They will be able to refer customers to specific departments that will help the customer meet their financial needs and goals. A CSS I would have the knowledge to comply with all bank policies and procedures. This position will comply with the Bank Secrecy Act (BSA), the Office of Foreign Assets Control (OFAC), the USA PATRIOT ACT (CIP), Customer Due Diligence (CDD), including reporting suspicious activities to the BSA Department as well as other banking and company regulations and rules.

Responsibilities, Accountabilities, and Duties: 

The core, critical and essential work duties, functions and responsibilities of the position are as follows:

• Acts with professionalism, providing a high-level of customer service to all customers;

• Maintains a daily cash drawer with a high-level of accuracy. The CSS I maintains the assigned cash drawer within limits and balance daily, corrections from Deposit Operations should be minimal;

• Completes customer transactions efficiently and accurately while complying with the Bank Secrecy Act, OFAC, and USA Patriot Act. CSS I should accurately complete required Currency Transaction Reports (CTR’s) and report Suspicious Activity to BSA Officer on a timely basis;

• Performs satisfactorily in bank products and services, and is able to explain account differences with customers, and assists customers with their questions;

• Meets or exceeds qualified referral goals, actively participates in overall bank sales goals;

• Order customer checks per request;

• Verifies Teller envelopes on a daily basis, ensuring accurate recording and maintaining limits;

• Maintains appropriate cash, Audits monthly;

• Maintains and develops knowledge to provide back-up support to CSS II position if needed;

• Flexibility to work various hours and locations at any of our branches;

• Takes a proactive, positive and sincere interest in our bank and its employees, ensuring trust, integrity and business continuity, and the bank’s long-standing relationship with the community;

• And as part of the overall team of bank employees, this position may be requested to assist in the support of other bank activities.

Position Requirements and Qualifications

• Minimum of High School Diploma or Equivalency, preferably an Associate’s Degree in Business, or other business-related field of study; or equivalent, applicable experience in a relevant area of banking

• Minimum two (2) years’ work experience preferably as a bank teller or account opener

• Demonstrated computer skills, preferably working with Microsoft Office products, office systems and programs, with an emphasis on PowerPoint, and the ability to successfully navigate and maintain current knowledge and skills working with technology

• Demonstrated above-average verbal and written communication skills

• Demonstrated ability to effectively manage one’s time to complete work according to established deadlines; and the ability to prioritize tasks to make the best use of time for high priority tasks

• Demonstrated adaptability and willingness to learn: In an ever-changing and evolving world of banking and investments in our community, this position requires an eagerness to adapt to those changes and the initiative to learn outside of daily parameters

• Demonstrated attention to detail, with the ability to detect errors and make necessary adjustments accordingly

• Demonstrated ability to maintain confidentiality and use discretion in working with private, sensitive and other highly confidential information

• Demonstrated experience to tactfully and professionally address concerns and complaints

• Demonstrated ability to maintain professional working relationships with staff members, peers, leadership, customers and the general public

• Demonstrated ability to work independently and within a team-setting, maintaining professional and effective work relationships with management and team mates

• Ability to maintain regular and routine attendance and punctuality

• Ability to lift 25 pounds

• Flexibility to work various hours and locations at any of our branches

• Demonstrated ability to maintain confidentiality and use discretion in working with private, sensitive and other highly confidential information

• Demonstrated experience to tactfully and professionally address concerns and complaints

• Ability to maintain regular and routine attendance and punctuality

Community Bank supports a diverse workforce and is an Equal Opportunity Employer who does not discriminate against individuals on the basis of race, gender, color, religion, national origin, age, sexual orientation, disability, veteran status or other classification protected by law.

Job Summary:  The position is responsible for commercial lending, deposit gathering, fee income generation, in addition to consumer loan, and brokerage service referrals. Within the portfolio managed, the incumbent will be responsible for credit decisions (within authority guidelines), overall credit quality, and fee income. As part of the overall banking staff, the position will help with cross-selling and referrals to other departments of the bank. The incumbent will work with the Loan Compliance Officer to keep current with changing regulations. This position will comply with the Bank Secrecy Act, OFAC and USA PATRIOT Act including Customer Identification Program, customer due diligence, identifying high risk accounts, reporting suspicious activities to the BSA Department.

The core, critical and essential work duties, functions and responsibilities of the position are as follows:

•Proactively develop, grow and maintain a portfolio of Commercial Real Estate, C&I and Small business loans within guidelines set by bank policy and growth targets;

•Provide accurate and timely Loan Portfolio Management;

•Develop, grow and maintain a portfolio of retail accounts and other sources of funding;

•Meet goals and objectives in generating new commercial loan volume for the bank;

•Identify and cross-sell fee income;

•Works with appraisers, insurance companies, centers of influence, and other businesses to generate new loans and service existing ones;

•Refer consumer loan opportunities to designated secondary and portfolio lenders;

•Proactively manage the preliminary underwriting needs of borrowers;

•Using good discretion make sound credit decisions within lending authority limits and bank policy;

•Produce quality referrals through regular calls on prospective and existing customers as well as referral sources;

•Responsible for referring customers to the Retail and Investment Departments of the bank for deposit and investment relationships. This can include DDA accounts, as well as other liability products the bank offers;

•Actively involved in community and civic organizations as appropriate to represent the bank in the community;

•Effectively perform and complete other duties as assigned.

Position Requirements and Qualifications:
•Bachelor’s Degree in Business, Finance, Accounting or other business-related field of study or equivalent, applicable experience in a relevant area of business

•Minimum three (3) years of junior lending experience, two years of credit analysis experience preferred

•Demonstrated potential to understand and effectively apply selling techniques to open, develop and close a sale; must be able to create interest in a product and actively cross-sell other products and services

•Must embrace change and see change as opportunity. Must be willing to express and support management’s ideas to affected staff

•Able to adjust quickly to different work situations and remain composed under pressure and in stressful situations

•Demonstrated proficient computer skills, preferably working with Microsoft Office products, office systems and programs, and the ability to successfully navigate and maintain current knowledge and skills working with technology

•Demonstrated above-average verbal and written communication skills

•Demonstrated ability to effectively manage one’s time to complete work according to established deadlines. The ability to prioritize tasks to make the best use of time for high priority tasks

•Demonstrated adaptability and willingness to learn: In an ever-changing and evolving world of banking in our community, this position requires an eagerness to adapt to those changes and the initiative to learn outside of daily parameters

•Demonstrated attention to detail, with the ability to detect errors and make necessary adjustments accordingly

•Demonstrated ability to maintain confidentiality and use discretion in working with private, sensitive and other highly confidential information

•Demonstrated experience to tactfully and professionally address concerns and complaints

•Demonstrated ability to understand numbers and use those skills as they pertain to the loan underwriting process

• Demonstrated ability to maintain professional working relationships with staff members, peers, leadership, customers and the general public

•Possess strong analytical, problem solving and critical thinking skills

•Ability to maintain regular and routine attendance and punctuality

Community Bank supports a diverse workforce and is an Equal Opportunity Employer who does not discriminate against individuals on the basis of race, gender, color, religion, national origin, age, sexual orientation, disability, veteran status or other classification protected by law.