Financial Services Representative

SmartBank; Northern (KY); Hybrid; USD 32,000 - 42,000; Full time

Job summary

SmartBank is seeking a friendly Teller to greet clients, answer questions, and direct them to the right staff. You will process deposits, withdrawals, and payments while adhering to bank policies and maintaining confidentiality.

The role requires strong customer service, math skills, and reliability, with the ability to stand, balance cash drawers, and work Saturdays as needed in a Kentucky branch.

Qualifications

• High school diploma required; associate degree preferred.
• Minimum one year of banking experience preferred.
• Sales experience preferred.
• Strong customer service and math skills required.

Responsibilities

• Upholds SmartBank Core Values and Way.
• Greet clients and direct to staff; assist in person or by phone.
• Process transactions and maintain accuracy per policies.
• Assist with branch opening/closing procedures and cash handling.
• Maintain confidentiality and comply with laws.

Skills

Customer service

Math skills

Communication

Detail-oriented

Team player

Attendance reliability

Education

High school diploma

Associate degree

Tools

PODs

Cash drawers

Ten-key

Microsoft Office

Job description

Major Duties and Responsibilities

• Core Values & Culture Commitment: Upholds SmartBank Core Values and Core Purpose. Adheres to and embraces the SmartBank Way by Acting Smart, Looking Smart and Being Smart.
• Client Experience & Relationship Support: Create a WOW experience by greeting and acknowledging clients warmly and promptly, directing them to proper branch personnel or department. Assist clients in person or on the telephone with questions or concerns, and if needed direct them to the appropriate branch personnel or department. Possess thorough knowledge of all SmartBank products and services. Always maintain client confidentiality.
• Operational & Transactional Duties: Assist in the opening/closing procedures of the branch to accommodate dual control. Process deposit/withdrawal transactions facilitate sale of cashier’s checks and other inventory items with accuracy following proper Bank policies and procedures. Process payments for SmartBank loans, local utilities, and other services following proper guidelines and procedures. Process client account maintenance requests (i.e., Change of address, stop payments, etc.) in a timely manner. Assist with ATM balancing. Protect SmartBank’s financial interest by controlling and balancing assigned cash drawer and negotiable items received/disbursed. Maintains an acceptable balancing record per established standards. Take responsibility for achieving objectives, and is accountable for his/her results, actions and decisions.
• Compliance & Risk Management: Adhere to SmartBank’s established polices and complies with all applicable federal, state, and local banking and industry related laws and regulations. This includes and is not limited to, the Bank Secrecy Act, Anti-Money Laundering, and bank security policies and procedures. Complete required paperwork when applicable to report any discrepancies or suspicious activity to the Assistant Financial Center Manager, Financial Center Manager or Security Officer. Perform other duties as assigned.

Position Requirements and Qualifications

• Education & Experience: High school diploma required. Associates degree preferred. Minimum one year of banking experience preferred. Sales experience preferred.
• Training Requirements (licenses, programs, or certificates): None Knowledge, Skills, and Abilities: Excellent customer service skills. One- year of banking experience preferred. Ability to apply knowledge and sound judgment in decision-making using established guidelines. Cash handling experience. Thorough knowledge of various Teller Drawer equipment (PODs, Recyclers, traditional cash drawer, etc.) preferred. Proficient level of computer competency including Microsoft Windows (Word, Excel, Outlook), typing and ten-key proficient preferred. Strong math skills. Strong written and oral communication skills. Detail oriented and ability to function in a team environment. Demonstrates ability to maintain a positive attitude. High level of integrity. Able to maintain regular and predictable attendance. Willing to accept new ideas and methods and be agreeable to change.
• Work Conditions: Able to routinely stand, sit, bend and stoop. Occasionally lift or carry loads up to 40 pounds. Ability to stand for long periods of time as needed. Frequently and regularly required movements using wrists, hands, and/or fingers. Average, ordinary, visual acuity necessary to prepare and inspect documents or products and operate machinery. Ability to hear average or normal conversations and receive ordinary information. May be required to travel to various branch locations. Must be available to work the required schedule of the branch office to include Saturdays. May be required to travel to training sessions or meetings.

With a strong foundation and a growing footprint, SmartBank delivers high-touch banking solutions to commercial businesses and consumers across the Southeast. Headquartered in Knoxville, Tennessee, SmartBank operates as a subsidiary of SmartFinancial, Inc. (NYSE: SMBK), a financial holding company with assets exceeding $5 billion. At the heart of SmartBank’s success is a commitment to creating ‘WOW’ experiences—for both clients and team members. This people‑first culture has earned national recognition, including placement on FORTUNE’s 2025 Top 100 Best Workplaces list and Great Place To Work® certification, reinforcing SmartBank as an employer of choice in the markets we serve. Drawing on decades of collective banking experience, SmartBank’s leadership has embedded “Smart” business practices throughout the organization, including rigorous credit underwriting, holistic relationship management, and a focus on attracting and retaining top‑tier talent. Guided by these principles, SmartBank has grown into a respected, high‑performing financial institution trusted by the communities it serves.