New Accounts Representative

NEW ACCOUNTS CSR – PERSONAL BANKER

How To Apply: Apply in person at 406 West Grand Avenue Yoakum, Texas 77995

The employment policy of Crossroads Bank provides equal opportunity to all persons. We support a diverse and inclusive work environment where colleagues are respected, treated fairly, and given equal opportunities to perform to their fullest potential. We believe it is only with a diverse and inclusive workplace that the organization can truly perform at its best, carry out its vision, and make a difference for the communities we serve.

NOTE: The information listed within this description summary is intended to indicate the general nature and level of work. It is not designed to contain or be interpreted as a comprehensive account of all the responsibilities, and/or minimum qualifications required of an employee assigned to this position.

Department: Customer Service
Status: Full-Time/Non-Exempt

The New Account Representative/Personal Banker must provide excellent customer service & inform/sell bank products to existing and potential customers on a daily basis. Perform all necessary functions to serve customers with the opening and ongoing maintenance of deposit accounts.

Supervisory responsibility: None

Education & Experience:

• High school diploma, college degree or work experience equivalent.
• Well-developed customer & interpersonal skills; work experience in customer service preferred.
• Previous banking experience preferred but not required.
• Proficient computer skills, knowledge of Microsoft Excel & Word.

Required Skills/Abilities:

• Ability to read, write, speak & understand English well (Spanish as a 2nd language is an asset but not required).
• Excellent verbal communication skills, in person & by telephone.
• Excellent math skills & understanding of basic accounting.
• Ability to organize and prioritize tasks.
• Ability to question customers to determine their banking needs & to cross-sell banking products.
• Ability to listen and solve customers’ problems regarding products & services, and to seek supervisory assistance as needed.
• Ability to determine if further investigation is needed on a potential or existing customer to protect against losses.
• Flexibility & initiative to learn numerous areas of banking to fulfill job function.

Essential Duties & Responsibilities:

• Knowledge of all bank products & services – including but not limited to Checking, Savings, IRA’s, Certificates of Deposit, Safe Deposit, Electronic Banking, ATM cards, Check Orders.
• An understanding of the rules and regulations for all bank services & deposit products.
• Perform all necessary verifications and processes for account opening.
• Be aware of customer’ ongoing and potential financial service needs, look for cross selling opportunities, and introduce the customer to the appropriate Bank Officer or employee.
• Produce documents daily for bank products that customers have purchased and review the documents for accuracy.
• Effectively explain bank policies and regulations in order to obtain proper documentation for accounts daily.
• Analyze statement costs for customers and recommend ways customers can keep their service charges low to provide customer satisfaction.
• Represent the bank in a personable, efficient manner when in contact with customers whether in person or by telephone.
• Assist other departments when needed & perform other duties as assigned.

Physical Requirements:

• Sitting/Mobility: Approximately 70% of time is spent working at a desk; the balance of time is spent moving around work areas.
• Communication: Ability to effectively communicate with co-workers, members, and outside agencies in writing, in person, and over the phone.
• Vision: Ability to effectively use a computer screen and interpret printed materials, memos, and other appropriate paperwork.
• Lifting/Carrying: Ability to transport boxes of coin, files & office supplies.
• Stooping/Kneeling: Ability to access files/stock supplies in high or low cabinets and shelves.
• Reaching/Handling: Ability to input information into computer systems and retrieve and work with appropriate paperwork, equipment, and supplies.

Job Type: Full-time

Benefits:

• 401(k)
• 401(k) matching
• Dental insurance
• Health insurance
• Life insurance
• Paid time off
• Vision insurance

Physical Setting:

• Office

Work Location: In person