Business Deposits Service Representative

ESSENTIAL DUTIES AND RESPONSIBILITIES

• Opens new accounts and maintains existing accounts according to the established policies and procedures of the Bank.
• Consults with customers and prospects to identify products and services that will meet the customer/prospect financial objectives.
• Reviews and interprets legal documents such as court orders, letters of administration, and guardianship papers to ensure compliance with fiduciary responsibilities.
• Analyzes and interprets agreements related to the Contractor Retention Industry to support contract administration and ensure adherence to legal and regulatory standards.
• Manages property-related transactions and coordinates with Title and Escrow companies to facilitate smooth closings and resolve issues.
• Monitors and ensures compliance with Trust Account Regulations as set forth by the Department of Real Estate (DRE), Department of Financial Protection and Innovation (DFPI), and Department of Insurance (DOI).
• Sells and cross sells bank products and services to existing and potential customers.
• Participates in all Group functions necessary to contribute to the achievement of the Department's earnings and growth objective.
• Assists with the management of the Group's sales and service efforts to ensure retention of existing relationships and growth of new relationships.
• Pursues the appropriate follow up for new and existing relationships within the Groups
• Participates in sales meetings and training programs to obtain and refine product knowledge and selling skills.
• Ensures proper documentation requirements are met for all accounts maintained by the Specialty Banking Group Department.
• Utilizes Chexsystems and OFAC as a part of the new accounts opening procedures.
• Processes and maintains accurate CIP information.
• Actively participates in Products Knowledge and The Citizens Experience.
• Complies with and stays abreast of all policies and procedures, federal and state laws applicable to his or her job.
• Provides, presents, and promotes the Citizens Experience to all external and internal customers.
• Other duties as assigned.

SUPERVISORY RESPONSIBILITIES

This position has no supervisory responsibilities.

QUALIFICATIONS

To perform this job successfully, an individual must be able to perform each essential duty satisfactorily. The requirements listed below are representative of the knowledge, skill, and/or ability required. Reasonable accommodations may be made to enable individuals with disabilities to perform the essential functions.

EDUCATION and/or EXPERIENCE

High school diploma or general education degree (GED); and a minimum of 3-5 years of new accounts experience in a financial institution similar to ours.

LANGUAGE SKILLS

Ability to read and comprehend simple instructions, short correspondence, and memos. Ability to write simple correspondence. Ability to effectively present information in one-on-one and small group situations to customers, clients, and other employees of the organization.

MATHEMATICAL SKILLS

Ability to add, subtract, multiply, and divide in all units of measure, using whole numbers, common fractions, and decimals. Ability to compute rate, ratio, and percent and to draw and interpret bar graphs.

REASONING ABILITY

Ability to apply common sense understanding to carry out detailed but uninvolved written or oral instructions. Ability to deal with problems involving a few concrete variables in standardized situations.

COMPUTER & SOFTWARE SKILLS

• Familiarity with Microsoft Office suite, including Word, Excel, Outlook, and PowerPoint.

CERTIFICATES, LICENSES, REGISTRATIONS

N/A

OTHER SKILLS and ABILITIES

• Demonstrates a thorough working knowledge of the Bank's established policies and procedures.
• Commitment to teamwork and a focus on delivering The Citizens Experience.

PHYSICAL DEMANDS

The physical demands described here are representative of those that must be met by an associate to successfully perform the essential functions of this job. Reasonable accommodations may be made to enable individuals with disabilities to perform the essential functions.

While performing the duties of this job, the associate is regularly required to talk or hear. The associate is frequently required to stand; walk; sit; and use hands and fingers to handle or feel. The associate is occasionally required to reach with hands and arms, and stoop, kneel, crouch or crawl. The associate is regularly required to operate a computer keyboard, mouse, calculator and telephone and reach with hands and arms. The associate must occasionally lift and/or move up to ten (10) pounds.

Specific vision abilities required by this job include close vision and ability to adjust focus.

WORK ENVIRONMENT

The work environment characteristics described here are representative of those an associate encounters while performing the essential functions of this job. Reasonable accommodations may be made to enable individuals with disabilities to perform the essential functions.

The work environment is usually moderate.