Job Description

COMPANY OVERVIEW:

About Community Bank & Trust : The vision to create an organization where relationships and service mattered has guided Community Bank & Trust in the past and will continue on as the strategy far into the future. From the beginning, we've made it our priority to provide a level of service unmatched by any financial institution - large or small. It's a part of our personality - a combination of each of our employee's trustworthiness, professionalism, passion, and talent. Together, we foster relationships by providing our clients real advice and real solutions. It's who we are...People you can bank on. Community Bank & Trust is a community bank committed to building relationships through professional, personal service. We give you the powerful tools of a major financial institution, the convenience of a one-stop financial resource, and the responsiveness of a local bank. As a local bank, all the decisions affecting client relationships are made by people who live, work, and are actively involved in serving the Cedar Valley. Our financial professionals are unmatched in banking and client service experience. We employ individuals who are highly competent, experienced, and motivated.

Our Values : All CBT team members are expected to maintain the highest ethical standards and demonstrate our core values of: Passion, Innovation, Collaboration, Achievement, Accountability, and Inclusion. In alignment with our culture, this individual will invest in relationships and accept accountability for cultivating a culture that's welcoming and provides a strong sense of belonging and safe space to all people both internally and externally; while doing business within and on behalf of CBT, and all of our other QCRH subsidiary entities.

JOB SUMMARY:

The preferred candidate for this position will possess the ability to achieve success as an independent contributor with minimal direct supervision and oversight, as well as a collaborative teammate within CBT's Retail Department, all CBT internal and external clients, and partners, and the QCRH organization as a whole.

The Community Retail Banker's primary responsibility is “meeting or exceeding client expectations” by providing a best-in-class partnership as a competitive advantage to current and prospective clients. The ability to quickly create a connection, establish a sense of rapport and professionalism, embrace a mindset of curiosity with challenging client issues, and listen with the intention of understanding are essential to the success of this role. This position is responsible for processing client transactions in a consistently efficient and accurate manner while following established policies and procedures of the Bank.

In alignment with CBT and QCRH's culture and employee strategic initiatives, this individual will invest in relationships and accept accountability for cultivating a culture that's welcoming and provides a strong sense of belonging and safe space to all people, both internally and externally, while conducting business on behalf of CBT, QCRH, and any and all of its subsidiary entities.

This position will be responsible for providing relevant, reliable, and timely information to key stakeholders in a consistent manner while maintaining the highest ethical standards and modeling our core values of: Passion, Innovation, Collaboration, Achievement, Accountability, and Inclusion. An active dedication to investing in community partnerships and participation is encouraged and part of our collective culture and brand.

ESSENTIAL FUNCTIONS :

• Provide a best-in-class experience that's elevated, polished, and professional to internal and external clients at all times. This includes a commitment to actively cooperate and interact with other departments and facilities to advance the overall interests of Community Bank & Trust.
• Process customer transactions according to standard operating procedures with polished and elevated professionalism maintaining the Bank's established performance criteria and Accountability Standards .

This role requires the Accountability Standards outlined to be completed in a consistent, conscientious, alert, and process driven manner.

o Process customer deposits and withdrawals with care by verifying all cash or endorsements, examining items for negotiability, and issuing receipts according to established procedures.

o Cash checks and other negotiable items.

o Disburse loan proceeds, credit card cash advances and travel letters.

o Accept payments on loans, contracts, commercial withholding taxes, county taxes, safe deposit boxes, credit cards, and ensure items and associated tasks are promptly and accurately processed.

o Must possess the ability to ask for support, assistance, supplemental or additional training, from supervisor or bank officer regarding challenging client interaction or any transaction that may raise concern or trepidation from a security or risk perspective.

o Uphold the integrity, ethics, confidentiality, security, and safekeeping of all sensitive or identifying information, currency, coin, and other negotiable instruments.

o Complete additional transactions including, but not limited to, issuing cashier's checks, certified checks, EE bond and money orders; processing orders and change orders; processing and issuing receipts on items left for collection, night drop and mail deposits, ensuring all transactions are processed and recorded promptly and accurately.

• Combines non-negotiable processes and procedures with nuanced client needs to create the best experience. Follows dual controls and other checks and balances that are put in place as a tool designed to support employee success regardless of transaction volume or client needs that carry a sense of urgency.
• Balances cash drawer according to established procedures and standards paying special attention to reporting and collection of teller cash differences and operating losses as well as balance and run vault.
• Must have a willingness to achieve a level of consistency and mastery is an important component to success as a part of the CBT retail team.
• Maintain the highest level of security by ensuring that security procedures are followed with completeness.

o Ensuring all transactions are properly documented and recorded.

o Determining authenticity and validity of documents.

o Keeping all cash secured when away from window.

o Following proper robbery and hod-up procedures.

o Protecting customer confidentiality.

• Complete IRS forms No. 4789 “Large Currency Transaction Report” and ensuring compliance with federal regulations.
• Support security testing, internal and external audits, and regulatory and compliance exams with a prioritized sense of urgency.
• Provide support and assist in balancing ATM machine in a secure, timely, and accurate manner according to established procedures.
• Responsible for developing a strong knowledge of bank products/services in order to refer customers to the appropriate individuals for service and best client experience.
• Complete assigned tasks, make informed decisions and judgment calls, evaluate client needs within a critical but unbiased framework. Makes critical decisions based on training, education, knowledge, background, and experience and can discern best path amidst a multitude of scenarios and variations to those scenarios.
• Learn and implement CBT and QCRH's standard processes, practices, workflows, time-sensitive activities, communication preferences, and other cultural and organizational customs to enhance client experience and collaboration.
• Adopt a solutions-focused mindset, attitude, and approach to problem-solving specifically when facing high stakes deliverables and deadlines.
• Exemplify a passion for excellence, quality, and contributing to QCRH's culture of inclusion and the investment in people and relationships.
• Ability to independently plan, schedule, and prioritize mission critical dates, times, locations, and people needs in order to achieve maximum success as a value-added contributor to the retail team at CBT.
• Consistently invest in building and growing key relationships, establish trust, perform as a dependable, reliable, and valuable teammate when working directly with clients, other team members and stakeholders of the bank and holding company.
• Develop a presence in the community to build, expand, and leverage meaningful relationships. Embrace and welcome connecting opportunities with community and business leaders from diverse backgrounds and industries. Invest in establishing a referral base with CBT's target audience: legal, accounting, finance, commercial real estate, and insurance.
• Attend meetings as requested or needed to accomplish work assigned, deliver on expectations, demonstrate team accountability, fully engage in meetings, committee meetings, or community meetings with a high level of professional and cultural discernment.
• Keep an open mind regarding additional project assignments, additional team support, considering new ideas, challenging bias and preconceived notions, and the ability to be both self-aware and self-reflective.

QUALIFICATIONS :

• High school diploma, technical certificate, or equivalent required. Associate or bachelor's degree in business, finance, or related field highly desired. A minimum of two years of banking, customer service, or retail, however, background, experience, and the ability to create value are also strong considerations.
• Ability to use and learn different business tools and technological solutions. Must possess proficient computer skills, ability to perform data entry with a high level of accuracy, ability to use Microsoft 365 products, and provide clear, concise, and professional written communication when needed. Must develop proficiency with FISERV/ITI applications and excel in areas of math and finance.
• Ability to work successfully with diverse individuals of many different backgrounds and capabilities through issues that can be challenging and complex and carry a sense of urgency.
• Must have the desire and ability to provide and receive sensitive and confidential information in a manner that creates and maintains safe space and relies upon a strong emotional intelligence skillset.
• Ability to review, assess, prioritize, organize, manage, and execute on a variety of tasks simultaneously and work independently to meet the required deadlines assigned. Strong communication capability to articulate roadblocks, bottlenecks, the need for assistance, or the courage to take accountability with difficult challenges.
• This job requires extended periods of standing, requires the ability to lift 50 pounds, and must be available to work on Saturdays.
• Ability to engage in consultative financial analysis of customer needs, develop creative, workable, needs based solutions to sell Bank products and services.
• Ability to comply with all requirements of the Bank Secrecy Act that are applicable to this position, as well as, with the Bank's BSA Policy/Program and procedures. Employee will also participate in BSA training at least annually.
• Requires the ability to travel to various bank locations, customer sites, training, and workshop locations, and consistently succeed at on time attendance for work and the ability to work extended hours when necessary.

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