Teller

PRIMARY OBJECTIVE OF POSITION

Perform transactional duties to serve members by receiving or paying out funds with the highest of accuracy. Maintain accurate transactional records. Provide cash receipt, account, and payment services in accordance with credit union policies and procedures. Cross-sell and promote credit union products and services.

ESSENTIAL JOB FUNCTIONS

• Maintains excellence in delivering member service and exceeding the credit union and department service standards; greet and welcome members to the credit union in a courteous, professional, and timely manner, providing prompt, accurate and efficient member transactions.
• Provides account services to members by receiving deposits and loan payments; cashing checks; withdrawals; pays out money after verification of signatures and member balances, records night, and mail deposits; selling cashier's checks, and money orders.
• Verifies amounts, examines share drafts/checks for proper endorsement, and ensures accuracy when entering deposits into computer records.
• Cash share drafts/checks and process withdrawals; Redemption of savings bonds. Accept check copy request and check order request from members.
• Process all member requests, i.e., wire transfers, address changes, stop payment, or cash advances.
• Maintain an up-to-date and comprehensive knowledge on all credit union products and services that are handled or promoted by tellers.
• Promote credit union services such as electronic services, debit and credit cards, money orders and safe deposit boxes.
• Cross-sells credit union products by answering inquiries; informing customers of new services and product promotions; ascertaining member’s needs; directing members to a branch representative.
• Balance cash drawer at the end of the shift and compare totaled amounts to computer generated balance sheet. Research and resolve discrepancies. Report any discrepancy to the supervisor, as necessary.
• Scan daily work and perform such other teller functions that might be needed from time to time and assist others to complete tasks and work assignments.
• Ensure that teller station is properly stocked with forms, supplies, brochures, etc.
• Serve in a dual control role when needed.
• Maintain accurate data entry in regard to member records, maintenance, and transactions; have the ability to find and correct errors.
• Adherence to security, internal control procedures, policies, mandatory training, compliance, product, and credit union training.
• Maintain an up-to-date and comprehensive knowledge on all related policies, procedures, and rules and regulations, including robbery procedures.
• Demonstrates an understanding of and follow the requirements of all regulation compliance including but not limited to those Bank Secrecy Act (BSA), AntiMoney Laundering (AML), Office of Foreign Assets Control (OFAC), Customer Identification Program (CIP) and Member Due Diligence (MDD) as it specifically relates to their job functions.
• Responsible for completing BSA/AML compliance training annually.
• All other duties as assigned.

RELATIONSHIPS AND CONTACTS

Supervise Approximately:  None 

Reports To:  Branch Manager or Teller Manager where applicable.

Contacts:  Frequent contact face to face or by telephone with members and some contact with other departments.

EDUCATION

• High school Diploma/GED is required.

EXPERIENCE

• Requires communication, mathematical and general business knowledge or equivalent to satisfactorily perform the job duties.
• Six (6) months of cash handling or cross-selling experience is preferred.
• Most important to this position are accuracy, speed, customer relations, judgment, reliability, and ability to engage in relationship building, a highly positive, service orientated attitude.

PHYSICAL REQUIREMENTS

• Position involves wrist/hand manipulation; restriction to workstation for extended periods of time; ability to lift up to 50 lbs.; ability to bend, stoop and reach overhead. 
• Vision abilities required by this job include close vision for frequent viewing of computer monitor and review of documents.
• May required to stand for extended periods of time.
• Communication abilities required by this job includes clarity in speech and hearing for effective staff/member interaction.

MENTAL REQUIREMENTS

• Must be able to perform job functions independently or with limited supervision and work effectively either on own or as part of a team.
• Must have a strong ability to read and carry out various written instructions and follow oral instructions.
• Must have a strong ability to speak clearly and deliver information in a logical and understandable sequence.
• Must be capable of dealing calmly and professionally with numerous different personalities from diverse cultures at various levels within and outside of the organization and demonstrate highest levels of customer service and discretion when dealing with the public.
• Must be able to perform responsibilities with composure under the stress of deadlines/requirements for extreme accuracy and quality and or fast pace.
• Must be able to effectively handle multiple, simultaneous, and changing priorities.
• Must be capable of exercising highest level of discretion on both internal and external confidential matters.

EQUIPMENT REQUIREMENTS

• Calculator, copy machine, currency counter, cash dispenser, cash advance terminal, ITM/ATM and personal computer with windows environment.

I acknowledge that I have received, read, and understand this Job Description.  I agree to perform to the best of my abilities the functions and duties described herein, with or without reasonable accommodation.  I understand that this Job Description does not constitute an employment contract or alter my "at-will" employment status.  I further understand that the duties and responsibilities described in this Job Description are subject to change or modification, as determined by management, and that I am responsible for performing any job duties, or other tasks, and responsibilities that may be assigned, and/or directed by management.