Financial Associate

River Bank & Trust; Montgomery (AL); On-site; USD 42,000 - 56,000; Full time

Job summary

River Bank & Trust in Montgomery, AL is seeking a Financial Associate responsible for accurately processing customer transactions received via night deposit, phone, or in-person. You will uphold excellent hospitality and customer support to maintain the bank's outstanding reputation.

The role requires strong accuracy, knowledge of bank products, and the ability to identify customer needs while following policies and compliance training.

Qualifications

• High School diploma or equivalent.
• Previous banking or cash handling experience preferred.
• Proficiency in Microsoft Office products to include Word, Excel, and Outlook.

Responsibilities

• Identify customer needs and refer appropriate bank products across lines of business.
• Answer incoming calls and greet customers in person.
• Provide account services: deposits, loan payments, cashing checks, withdrawals, night/mail deposits, official checks.
• Process special requests (checks, foreign currencies, statements, safe-deposit procedures).
• Verify endorsements, IDs, and detect counterfeit currency.
• Ensure funds availability and issue hold notices per policy.
• Balance cash drawer regularly and complete daily tasks.
• Support management with miscellaneous projects.

Skills

Customer service

Cash handling

Regulatory compliance

Microsoft Office

Time management

Communication

Problem solving

Attention to detail

Teamwork

Tools

Microsoft Office

Job description

• Location 309 Maxwell Boulevard,Montgomery, AL, 36104,United States

RB&T Mission Statement

As a trusted partner and friend, River Bank & Trust helps our neighbors and the businesses in our communities to reach their financial goals.

Position Summary

While the primary role of the Financial Associate is to accurately complete customer transactions received by either night deposit, phone or in-person, the Financial Associate is also responsible for upholding the outstanding reputation and culture of the bank by providing unmatched hospitality and customer support.

Essential Duties and Responsibilities

Reasonable accommodations may be made to enable individuals with disabilities to perform the essential functions. The essential functions include, but are not limited to the following:

• Must be able to efficiently identify all of the customer’s needs and excel in referring other products within all of the other lines of business that the bank may offer. This will be done by maintaining knowledge of both personal and business products.
• Answer incoming calls, whether externally or internally;
• Professionally, courteously and promptly greet and acknowledge all customers that walk into the Office
• Provide various account services to customers by receiving deposits and loan payments; cashing checks; issuing savings withdrawals; recording night and mail deposits; selling official checks
• Complete special requests such as taking orders for checks; preparing official checks; exchanging foreign currencies; providing special statements, copies, and completing safe-deposit box procedures.
• Verify endorsements, receive proper identification, ensure validity, and identify counterfeit currency.
• Examine checks deposited and determine proper funds availability based on regulatory requirements and complete hold notices when necessary and according to policy
• Balance cash drawer periodically throughout the day and/or at least daily
• Miscellaneous projects and other duties as requested by Management

Skills, Abilities & Expectations

• Be familiar with and follow policy and procedures, and support Management’s decisions and goals in a positive, professional manner.
• Stay abreast of regulatory requirements and complete annual compliance training applicable to the position
• Ability to apply general accounting knowledge processes (debits, credits, balancing)
• Assuring customer service is top priority whether internally or externally; treating customers and employees professionally, with courtesy and respect
• Ability to work in a fast-paced team environment, handle multiple tasks, and prioritize work
• Detail oriented and organized
• Excellent interpersonal and communication skills
• Integrity, discretion, and respect for confidential information are absolutely essential
• Willingness to adapt to change
• Work within a variety of different software and web applications
• Able to prioritize duties and effectively manage time
• Analytical and problem-solving skills
• Attend work on a regular basis, on time, and withstand varying degrees of stress
• Excellent interpersonal and communication skills
• Maintaining a professional, business-like appearance and demeanor
• Proficiency in Microsoft Office products to include: Word, Excel, and Outlook

Minimum Qualifications

• High School diploma or equivalent
• Previous banking or cash handling experience preferred
• Proficiency in Microsoft Office products to include: Word, Excel, and Outlook

Physical Demands

This employee will occasionally lift and/or move up to 25 pounds. The employee will regularly sit; talk; hear; and use hands to finger, handle or feel. The employee will occasionally stand; walk; reach with hands and arms; climb and balance; and stoop, kneel, crouch, or crawl. Special vision requirements include close, distant, and peripheral vision; depth perception; and the ability to adjust focus. The noise level in the work environment is usually moderate. The work environment and physical demands are those of a standard retail branch setting. Reasonable accommodations may be made to enable individuals with disabilities to perform the essential functions of the job.

Disclaimer

The above information has been designed to indicate the general nature and level of work performed within this job. It is not designed to contain or be interpreted as a comprehensive inventory of all duties, responsibilities, and qualifications required of employees assigned to the job. Incumbent must attend work on a regular basis, on time, and withstand varying degrees of stress. This position description describes the minimum selection requirements to qualify for the position. Promotion and other employment decisions are based on employer needs, being in good standing, fully competent performance, and other non-discriminatory subjects.