Deposit Operations Analyst

ChoiceOne Bank; Kent City (MI); On-site; USD 42,000 - 56,000; Full time

Job summary

ChoiceOne Bank is seeking a Deposit Operations Analyst in Kent City, Michigan. This non-exempt role supports daily deposit operations tasks, addressing inquiries from internal staff and customers.

It requires attention to detail and dedication to accuracy in data processing and image retrieval. The analyst will assist with holds, wires, garnishments and dispute resolution while maintaining compliance with banking regulations and internal policies.

Qualifications

• High School Diploma or equivalent required.
• Previous banking experience, preferably in retail and operations.
• Familiarity with bank products, regulations, and internal operations.

Responsibilities

• Provide customer service to internal and external customers by answering inquiries and solving problems related to bank accounts, data processing, and image retrieval.
• Handle daily tasks including review of holds, stop payments and wires, monitor returned mail, process garnishments and levy requests, entries and reconcilements.
• Assist other Operations staff by performing delegated tasks and necessary back-up and overflow coverage.
• Make appropriate recommendations for procedural changes to help achieve efficiencies and stay current with new regulations, policies, procedures, and audits.
• Additional responsibilities as assigned.
• Be familiar with and comply with the Bank Secrecy Act and USA PATRIOT Act as they relate to the functions of this position and report violations.

Skills

Customer service

Problem solving

Interpersonal skills

Data processing

Image retrieval

Education

High School Diploma or equivalent

Previous banking experience

Job description

Corporate Values & Mission

“Provide superior service, quality advice and show our utmost respect to everyone we meet.”

Description

Deposit Operations Analyst

Non-Exempt – Grade Level 2

Equal Employment Opportunity

Corporate Values & Mission

“Provide superior service, quality advice and show our utmost respect to everyone we meet.”

General Summary

Involved in a wide range of duties including responsibilities associate with daily Deposit Operations tasks. Handles inquiries and issues raised by both internal staff and customers.

Reports To

AVP Deposit Operations Manager

Essential Duties And Responsibilities

• Provide customer service to internal and external customers by answering inquiries and solving problems related to bank accounts, data processing, and image retrieval.
• Handling daily tasks including but not limited to review of holds, stop payments and wires, monitoring returned mail, processing garnishments and levy requests, entries and reconcilements.
• Assist other Operations staff by performing delegated tasks and necessary back-up and overflow coverage.
• Make appropriate recommendations for procedural changes to help achieve efficiencies and to stay current and consistent with new regulations, policies, procedures, and audits.
• Additional responsibilities as assigned.
• Be familiar with and comply with the provisions of the Bank Secrecy Act and USA PATRIOT Act as they relate to the functions of this position. Complete all required reports related to those acts and reports any observed violations or potential violations of those acts to a supervisor or other appropriate bank officer.
• Be familiar with and comply with all federal and state banking regulations as applicable.

Qualifications

To perform this job successfully, an Individual in this position must be able to perform each of the above essential duties satisfactorily and exhibit the values of the Company. In addition, the requirements listed below are representative of the knowledge, skill and/or ability required.

Experience And/or Education

• High School Diploma or equivalent
• Previous banking experience, preferably in retail and operations.
• Familiarity with Bank products, regulations, and internal operations. Strong interpersonal skills to resolve complex problems effectively with customers and employees.

Communication

Effective written and oral communication skills required, with the ability to interface with Internal and external stakeholders and community partners. Has group presentation skills.

Analytical

Synthesizes complex and diverse information; collects and researches data; uses intuition and experience to complement data.

Technical Skills

Assesses own strengths and weaknesses; pursues training and development opportunities; strives to continuously build knowledge and skills; shares expertise with others.

Quality

Demonstrates accuracy and thoroughness; monitors own work and the work of others to ensure quality.

Quantity

Meets productivity standards; completes work in a timely manner; strives to increase productivity; works quickly.

Adaptability

Adapts to changes in work environment; manages competing demands; changes approach or method to best fit the situation; able to deal with frequent change, delays, or unexpected events.

Dependability

Follows instructions; responds to management direction; takes responsibility for own actions; keeps commitments; commits to long hours of work when necessary to reach goals; completes tasks on time or notifies appropriate person with an alternate plan.

Initiative

Undertakes self-development activities; takes independent actions and calculated risks; looks for and takes advantage of opportunities; asks for and offers help when needed.

Physical Demands and Work Environment

Ability to work in an office environment which may include many hours of computer and telephone usage. This position is not remote-eligible.

Reasonable accommodations may be made to enable individuals with disabilities to perform the essential functions.

This position description is not to be construed as an exhaustive statement of duties, responsibilities, or requirements. Employees may be required to perform any other job-related instructions as requested by their supervisor, subject to reasonable accommodations.