Associate

Associate

River Bank & Trust

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:

The Associate will work to understand banking operations and procedures by performing assigned projects and responsibilities throughout various roles to include some or all of the following (but not limited to): Financial Associate, Customer Service Representative, Lending Assistant, Credit Analyst, and/or Loan & Deposit Portfolio Management.

Essential Duties and Responsibilities:

Reasonable accommodations may be made to enable individuals with disabilities to perform the essential functions. The essential functions may 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.
• Assuring customer service is top priority whether internally or externally; treating customers and employees professionally, with courtesy and respect, while providing accurate and timely information
• Handles incoming calls and communications including greeting walk-in guests, prospects, and clients.
• 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
• Open and close all account types, while preparing the proper documentation
• Initial gathering and understanding of proper identification/documentation of the requirements to open a new account or make changes
• Provide ongoing maintenance to existing or closed accounts to include, but not limited to: process wire transfer requests, stop payments, name and address changes
• May represent the Bank in various community functions with a high level of integrity and professionalism
• Prepare necessary reports, perform various clerical duties and/or miscellaneous projects and duties as assigned by Management
• Process loan payments, payoffs and requested draws
• Follow up on past due loans occasionally and clear technical exceptions in a timely manner
• Order title work, flood searches, UCC searches, and credit reports, and be able to interpret the reporting results
• Request collateral valuation through internal or external sources
• Package closed loans to ensure a complete set of documents and supporting information
• Prepares and modifies documents including correspondence, reports, drafts, memos, and emails
• Work with various professionals to facilitate document prep and loan closing (title companies, attorneys, environmental agencies, etc.)
• Obtains and verifies the accuracy and completeness of information from clients.
• Gather financial information in preparation of new & renewed credits
• Analyze the loan applicant's business plan, financial statements and related documents to identify and assess financial risk and other factors relating to the proposed loan.
• Evaluate credit worthiness of potential borrower and assists in assigning a risk rating to the credit
• Prepare detailed written loan presentations and credit risk assessments to include borrowers' financial strengths and weaknesses.
• Participate in loan presentations and/or present loans for approval.
• Review appraisals and environmental reports to ensure completeness and accuracy.
• Perform file reviews and update new and existing loan files for the bank on a regular basis as it relates to annual risk rating reviews.
• Prepare miscellaneous reports/data to Management as requested.
• Special projects and/or other duties as assigned by Management.

Minimum Qualifications:

• High School diploma or equivalent
• Bachelor's Degree (preferred Business and/or Finance major)

Skills, Abilities & Expectations:

• Stay familiar with and follow policy and procedures.
• 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
• Maintain confidentiality of all customer records, accounts and transactions
• 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 including: Word, Excel, and Outlook

Physical Demands:

The 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. Incumbents 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.