We See a Career.

Deposit Operations Manager

Exempt – Grade Level 6

Equal Employment Opportunity

 

CORPORATE VALUES & MISSION

“Provide superior service, quality advice and show utmost respect to everyone we meet.”

 

GENERAL SUMMARY

Provide day-to-day coordination for deposit operations, including item processing, reconcilements, correspondents, wire transfers, ATM, electronic delivery services, document verification and retention, etc.  Direct supervision of assigned nonexempt staff with particular emphasis on workflow to meet deadlines, as well as completing certain recurring tasks as needed.  Includes training staff, planning work schedules, and recommending and implementing staffing and equipment needs. Handles the more involved problems and calls from staff or dissatisfied customers.

 

REPORTS TO:    VP Deposit Operations

 

ESSENTIAL DUTIES AND RESPONSIBILITIES

• Establish and implement operating procedures, together with various departments, which in accordance with overall bank policies and operating objectives will assure proper control over and maximum efficiency of all transactions.
• Continually monitor all operational activities to ensure compliance with all bank policies and operating objectives as well as relevant regulatory compliance.
• Direct and or prepare several reports and analyses reflecting internal bank operations and performances.
• Act as an Operations Liaison for retail branches and other departments in the organization.
• Maintain adequate staffing coverage.
• Make sure cross training of positions is adequate to keep department functioning without pulling from the other areas of the bank.
• Authorize adjusting entries and review balancing reconcilement for audit control purposes.
• Responsible for certain year-end reporting for organization.
• Work with VP Operations and VP Deposit Operations to provide all data required for any audit or examination of the operations and related areas.
• Supervise and monitor any electronic entries, including but not limited to ATM, POS, ACH, and EFT.
• Assist with any necessary projects.
• Create and maintain documented operational policies and procedures.
• Additional responsibilities as assigned.
• Be familiar with and comply with the provisions of the Bank Secrecy Act and USA PATRIOT Act as they relate to the functions of this position. Complete all required reports related to those acts and reports any observed violations or potential violations of those acts to a supervisor or other appropriate bank officer.
• Be familiar with and comply with all federal and state banking regulations as applicable.

 

PHYSICAL DEMANDS & WORK ENVIRONMENT

• Must be able to lift 25lbs

• Reasonable accommodations may be made to enable individuals with disabilities to perform the essential functions.

 

EXPERIENCE and/or EDUCATION

• Minimum of four (4) to five (5) years of banking experience, preferably in retail and operations.
• Minimum of two (2) to three (3) years of management experience
• Bachelor’s degree in business-related major preferred
• Strong Technology skills
• Familiarity with Bank products, regulations, and internal operations. Strong well-developed interpersonal skills in order to resolve complex problems effectively with customers and employees.  Supervisory experience is required.
• Knowledge of reports and procedures as they affect organizational and departmental operations.
• Ability to handle multiple tasks simultaneously and meet established deadlines

 

CORE COMPETENCIES

Communication – Speaks and writes clearly, informatively, and persuasively in positive or negative situations; listens and gets clarification; responds well to questions; demonstrates group presentation skills; participates in meetings.

Analytical – Synthesizes complex and diverse information; collects and researches data; uses intuition and experience to complement data.

Delegation – Delegates work assignments; gives authority to work independently; sets expectations and monitors delegated activities; provides recognition for results.

Judgment – Displays willingness to make decisions; exhibits sound and accurate judgment; supports and explains reasoning for decisions; includes appropriate people in decision-making process.  Makes timely decisions.

Quality – Demonstrates accuracy and thoroughness; monitors own work to ensure quality.

Teller

Non-Exempt – Grade Level 1

Equal Employment Opportunity

 

CORPORATE VALUES & MISSION

“Provide superior service and high-quality advice and show utmost respect to everyone we meet.”

 

GENERAL SUMMARY

The function of a teller is to pay a vital role in the customer banking experience.  Tellers are the face of ChoiceOne Bank. As a Teller you will provide World Class Customer Service by handling transactions accurately and efficiently.  Through your daily interactions with customers you will discover opportunities to help grow ChoiceOne Bank and introduce the customers to a banker.

 

REPORTS TO: Assistant Branch Manager and Branch Manager

 

ESSENTIAL DUTIES & RESPONSIBILITIES

• Perform and follow the Bank’s policies, procedures, and customer service standards
• Operate teller window in accordance with bank policy, balancing daily
• Meet and exceed teller sales/referral goals
• Process cash and non-cash bank transactions accurately, efficiently, and with great confidentiality
• Acquire and maintain up-to-date knowledge of banking products, financial services, and technology
• Develop relationships with clients and ensure customers’ awareness of services offered. Recognize clients’ needs and make referrals to the desk
• Perform other miscellaneous duties, including night deposits, ATM balancing and service, supplies, answering phone, etc.; and other duties that may be required from time to time.
• Be familiar with and comply with the provisions of the Bank Secrecy Act FACTA and USA PATRIOT Act as they relate to the functions of this position.  Complete all required reports related to those acts and reports any observed violations or potential violations of those acts to a supervisor or other appropriate bank officer.
• Be familiar with and comply with all federal and state banking regulations as applicable.

 

PHYSICAL DEMANDS & WORK ENVIRONMENT

• Must be able to lift 25lbs
• Standing required for extended periods of time, up to entire length of shift
• Reasonable accommodations may be made to enable individuals with disabilities to perform the essential functions.
• Requires schedule flexibility

 

EXPERIENCE and/or EDUCATION

• Minimum of 6 months cash handling experience preferred
• High School or GED

 

REQUIRED 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.

 

CORE COMPETENCIES

Confidentiality – Keeps sensitive business, client, and personnel matters private

Problem Solving – Identifies and resolves problems in a timely manner; gathers and analyzes information skillfully; develops alternative solutions; works well in group problem solving situations; uses reason even when dealing with emotional topics.

Customer Service – Manages difficult or emotional customer situations; responds promptly to customer needs; solicits customer feedback to improve service; responds to requests for service and assistance; meets commitments.

Oral Communication – Speaks clearly and persuasively in positive or negative situations; listens and gets clarification; responds well to questions; demonstrates group presentation skills; participates in meetings.

Written Communication – Writes clearly and informatively; edits work for spelling and grammar; varies writing style to meet needs; presents numerical data accurately; able to read and interpret written information.

Interpersonal Skills – Focuses on solving conflict, not blaming; maintains confidentiality; listens to others without interrupting; keeps emotions under control; remains open to others’ ideas and tries new things.

Teamwork – Balances team and individual responsibilities; exhibits objectivity and openness to others’ views; gives and welcomes feedback; contributes to building a positive team spirit; puts success of team above own interests; able to build morale and group commitments to goals and objectives; supports everyone’s efforts to succeed; makes self- available to staff; develops their skills and encourages growth; solicits and applies customer feedback (internal and external); fosters quality focus in others; improves processes, products and services.

Technical Skills – Assesses own strengths and weaknesses; pursues training and development opportunities; strives to continuously build knowledge and skills; shares expertise with others. Has a thorough understanding of underwriting, coverages and rating procedures.

Ethics – Treats people with respect; keeps commitments; inspires the trust of others; works with integrity and ethically; upholds organizational values.

Organizational Support – Follows policies and procedures; completes administrative tasks correctly and on time; supports organization’s goals and values; supports affirmative action and respects diversity.

Diversity – Promotes a harassment-free environment.

Strategic Thinking – Understands organization’s strengths and weaknesses; analyzes market and competition; identifies externals threats and opportunities; adapts strategy to changing conditions.

Motivation – Demonstrates persistence and overcomes obstacles; takes calculated risks to accomplish goals. Is a self-starter.

Professionalism – Approaches others in a tactful manner; reacts well under pressure; treats others with respect and consideration regardless of their status or position; accepts responsibility for own actions; follows through on commitments.

Quality – Demonstrates accuracy and thoroughness; monitors own work to ensure quality.

Quantity – Meets productivity standards; completes work in a timely manner; strives to increase productivity; works quickly.

Safety and Security – Observes safety and security procedures.

Adaptability – Adapts to changes in work environment; manages competing demands; changes approach or method to best fit the situation; able to deal with frequent change, delays or unexpected events.

Attendance/Punctuality – Is consistently at work and on time; ensures work responsibilities are covered when absent; arrives at meetings and appointments on time.

Flexibility – able to provide flexibility and adapt to changing schedules.

Dependability – Follows instructions; responds to management direction; takes responsibility for own actions; keeps commitments; commits to long hours of work when necessary to reach goals; completes tasks on time or notifies appropriate person with an alternate plan. 

Initiative – Undertakes self-development activities; takes independent actions and calculated risks; looks for and takes advantage of opportunities; asks for and offers help when needed.

Innovation – Displays original thinking and creativity; meets challenges with resourcefulness; presents ideas and information in a manner that gets others’ attention.

Teller

Non-Exempt – Grade Level 1

Equal Employment Opportunity

 

CORPORATE VALUES & MISSION

“Provide superior service and high-quality advice and show utmost respect to everyone we meet.”

 

GENERAL SUMMARY

The function of a teller is to play a vital role in the customer banking experience.  Tellers are the face of ChoiceOne Bank. As a Teller you will provide World Class Customer Service by handling transactions accurately and efficiently.  Through your daily interactions with customers you will discover opportunities to help grow ChoiceOne Bank and introduce your customers to a banker.

 

REPORTS TO: Assistant Branch Manager and Branch Manager

 

ESSENTIAL DUTIES & RESPONSIBILITIES

• Perform and follow the Bank’s policies, procedures, and customer service standards
• Operate teller window in accordance with bank policy, balancing daily
• Meet and exceed teller sales/referral goals
• Process cash and non-cash bank transactions accurately, efficiently, and with confidentiality
• Acquire and maintain up-to-date knowledge of banking products, financial services, and technology
• Develop relationships with clients and ensure customers’ awareness of services offered. Recognize clients’ needs and make referrals to bankers.
• Perform other miscellaneous duties, including night deposits, ATM balancing and service, supply restocking and ordering, answering phones, etc.; and other duties that may be required from time to time.
• Be familiar, and comply, with the provisions of the Bank Secrecy Act, FACTA and USA PATRIOT Act as they relate to the functions of this position.  Complete all required reports related to those acts and reports any observed violations, or potential violations of those acts, to a supervisor or other appropriate bank officer.
• Be familiar, and comply, with all federal and state banking regulations as applicable.

 

PHYSICAL DEMANDS & WORK ENVIRONMENT

• Must be able to lift 25lbs
• Standing required for extended periods of time, up to entire length of shift
• Reasonable accommodations may be made to enable individuals with disabilities to perform the essential functions.
• Requires schedule flexibility

 

EXPERIENCE and/or EDUCATION

• Minimum of 6 months cash handling experience preferred
• High School or GED

 

CORE COMPETENCIES

In addition to the Essential Duties & Responsibilities, individuals in this position are expected to exhibit the following:

Oral Communication – Speak clearly and persuasively in positive or negative situations; listen and receive clarification; respond well to questions; demonstrate group presentation skills; participate in meetings.

Technical Skills – Assess your strengths and weaknesses; pursue training and development opportunities; strive to continuously build knowledge and skills; share expertise with others.

Quality – Demonstrate accuracy and thoroughness; monitor work to ensure quality.

Quantity – Meet productivity standards; complete work in a timely manner; strive to increase productivity; work quickly and accurately.

Adaptability – Adapt to changes in the work environment; manage competing demands; able to deal with frequent change, delays or unexpected events.

Attendance/Punctuality – Follows schedule consistently in a timely manner; limits absenteeism; ensures work responsibilities are covered when absent; arrives at meetings and appointments on time.

Flexibility – able to provide flexibility and adapt to changing schedules.

Dependability – Follow instructions; respond to management direction; take responsibility for own actions; keep commitments; commit reaching goals; complete tasks on time or notifies appropriate person with an alternate plan.

Initiative – Undertake self-development activities; take independent actions and calculated risks; look for and take advantage of opportunities to help customers and ChoiceOne Bank; ask for and offer help when needed.

1. Accurately and in great confidentiality handle banking transactions
2. Advance funds from credit cards and other accounts
3. Miscellaneous duties may include night deposits, ATM balancing and service, supplies, answering phone, etc.
4. Assists with training of new teller staff.
5. Is responsible for being familiar with and complying with the provisions of the Bank Secrecy Act FACTA and USA PATRIOT Act as they relate to the functions of this position. Completes all required reports related to those acts and reports any observed violations or potential violations of those acts to a supervisor or other appropriate bank officer.
6. Performs other duties as may be required from time to time.

1. Minimum of 6 months cash handling experience is preferred
2. Strong Customer Service Skills
3. Ability to work well in a team environment
4. Problem solving skills
5. Ability to follow policy and procedures
6. Strong listening and verbal communication skills
7. Detail-oriented and organized
8. Ability to multi task
9. High School or GED
10. Vault and Atm Certified with 12 months
11. Meeting and exceed teller sales/referral goals
12. Processing cash and non-cash bank transactions accurately, and efficiently while balancing daily
13. Acquiring and maintaining up to date knowledge of banking products, financial services, and technology
14. Requires schedule flexibility

Teller

Non-Exempt – Grade Level 1

Equal Employment Opportunity

 

CORPORATE VALUES & MISSION

“Provide superior service and high-quality advice and show utmost respect to everyone we meet.”

 

GENERAL SUMMARY

The function of a teller is to pay a vital role in the customer banking experience.  Tellers are the face of ChoiceOne Bank. As a Teller you will provide World Class Customer Service by handling transactions accurately and efficiently.  Through your daily interactions with customers you will discover opportunities to help grow ChoiceOne Bank and introduce the customers to a banker.

 

REPORTS TO: Assistant Branch Manager and Branch Manager

 

ESSENTIAL DUTIES & RESPONSIBILITIES

• Perform and follow the Bank’s policies, procedures, and customer service standards
• Operate teller window in accordance with bank policy, balancing daily
• Meet and exceed teller sales/referral goals
• Process cash and non-cash bank transactions accurately, efficiently, and with great confidentiality
• Acquire and maintain up-to-date knowledge of banking products, financial services, and technology
• Develop relationships with clients and ensure customers’ awareness of services offered. Recognize clients’ needs and make referrals to the desk
• Perform other miscellaneous duties, including night deposits, ATM balancing and service, supplies, answering phone, etc.; and other duties that may be required from time to time.
• Be familiar with and comply with the provisions of the Bank Secrecy Act FACTA and USA PATRIOT Act as they relate to the functions of this position.  Complete all required reports related to those acts and reports any observed violations or potential violations of those acts to a supervisor or other appropriate bank officer.
• Be familiar with and comply with all federal and state banking regulations as applicable.

 

PHYSICAL DEMANDS & WORK ENVIRONMENT

• Must be able to lift 25lbs
• Standing required for extended periods of time, up to entire length of shift
• Reasonable accommodations may be made to enable individuals with disabilities to perform the essential functions.
• Requires schedule flexibility

 

EXPERIENCE and/or EDUCATION

• Minimum of 6 months cash handling experience preferred
• High School or GED

 

REQUIRED 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.

 

Mortgage Loan Closer

Non-Exempt – Grade Level 4

Equal Employment Opportunity

 

CORPORATE VALUES & MISSION

“Provide superior service and high-quality advice and show utmost respect to everyone we meet.”

 

GENERAL SUMMARY

Prepares closing documents required for loan closings and disburses funds as needed.  Answers telephone inquiries from current applicants, title companies, as well as many others involved in scheduling and coordinating closings.

 

REPORTS TO:    VP Loan Operations Manager

 

ESSENTIAL DUTIES AND RESPONSIBILITIES

• Input all data pertinent for closing the loan file. Updates the information on files in the computer as changes are received.
• Obtain reports thru DataVerify to verify the credit information on the file is correct.
• Obtain various insurance commitments and reviews to clear all requirements prior to closing such as tax and assessment verification, power of attorney, trust agreements, death certificates, etc., identifying and handling problems in a timely manner.
• Handle telephone inquiries from customers and other departments and/or offices
• Arrange closing times/location for borrower and title company.
• Work closely with Underwriter to clear conditions/requirements prior to and/or at closing, doing so in a timely manner to ensure closings are accurate and closed as soon as possible.
• Coordinate closing times with customers, realtors, and title companies
• Order mortgage and other payoffs to ensure proper review before closing
• Instruct borrowers to bring any conditions of approval necessary to close.
• Prepare instructions for the title company to close our loan accordingly, if appropriate, avoiding mistakes which may be costly.
• Accurately prepare borrower’s closing package which includes mortgage, note, disclosures, payment letter, initial escrow, settlement statement, etc.
• Immediately upon receipt of closed loan package from title company, review and identify any corrections to be immediately addressed, including proper signatures, first lien letter provided by title company, and items secured as required by underwriter.
• Complete internal checklist while reviewing closed loan file to verify that all information is accurate and accounted for.
• Complete mortgage extension agreements with front closing, collection of funds as needed, and securing proper signatures.
• Handle all construction and blanket loan flips, preparing all docs and closing procedures.
• Facilitate construction draws, inspections, and surveys during process and prior to term loan closings/flips.
• Additional responsibilities as assigned.
• Be familiar with and comply with the provisions of the Bank Secrecy Act and USA PATRIOT Act as they relate to the functions of this position. Complete all required reports related to those acts and reports any observed violations or potential violations of those acts to a supervisor or other appropriate bank officer.
• Be familiar with and comply with all federal and state banking regulations as applicable.

 

PHYSICAL DEMANDS & WORK ENVIRONMENT

• Must be able to lift 25 lbs

• Reasonable accommodations may be made to enable individuals with disabilities to perform the essential functions.

 

EXPERIENCE and/or EDUCATION

• High School Diploma or Equivalent
• Formal on-the-job training or prior loan experience in lending documents
• General accounting knowledge

 

CORE COMPETENCIES

In addition to the Corporate Core Competencies, individuals in this position are expected to exhibit the following:

Written Communication – Writes clearly and informatively; edits work for spelling and grammar; varies writing style to meet needs; presents numerical data accurately; able to read and interpret written information.

Analytical – Synthesizes complex and diverse information; collects and researches data; uses intuition and experience to complement data.

Technical Skills – Assesses own strengths and weaknesses; pursues training and development opportunities; strives to continuously build knowledge and skills; shares expertise with others. Has a thorough understanding of underwriting, coverages and rating procedures

Quality – Demonstrates accuracy and thoroughness; monitors own work to ensure quality.

Quantity – Meets productivity standards; completes work in a timely manner; strives to increase productivity; works quickly.

Adaptability – Adapts to changes in work environment; manages competing demands; changes approach or method to best fit the situation; able to deal with frequent change, delays or unexpected events.

 

Attendance/Punctuality – Is consistently at work and on time; ensures work responsibilities are covered when absent; arrives at meetings and appointments on time.

Flexibility – able to provide flexibility and adapt to changing schedules.

Dependability – Follows instructions; responds to management direction; takes responsibility for own actions; keeps commitments; commits to long hours of work when necessary to reach goals; completes tasks on time or notifies appropriate person with an alternate plan.

Initiative – Undertakes self-development activities; takes independent actions and calculated risks; looks for and takes advantage of opportunities; asks for and offers help when needed.

Mortgage Secondary Market Manager

Exempt – Grade Level 7 or 8*

Equal Employment Opportunity

 

CORPORATE VALUES & MISSION

“Provide superior service and high-quality advice and show utmost respect to everyone we meet.”

 

GENERAL SUMMARY

Ensures the complete and accurate processing, underwriting and closing of all conventional, FHA, VA, RD, held and sold loans. Ensures appropriate policies and procedures are developed and implemented to ensure turnaround times, loan quality, compliance standards and customer service standards are met. Performs pre- and post-close audits to ensure all procedures have been followed and regulations met and all loan files are complete at closing.

 

REPORTS TO:    VP Loan Operations Manager

 

ESSENTIAL DUTIES AND RESPONSIBILITIES

• Manage, maintain, and build relationships with funding sources including but not limited to Freddie Mac, Federal Home Loan Bank (FHLB) and other Correspondent Wholesale Loan purchasers
• Logs and reports all information related to investor mortgage loan sales
• Manages the daily mortgage pricing for portfolio and correspondent investors
• Confirms lock requests as needed on best efforts pipeline and maintains all lock request changes, reconciliations and extension requests ensuring profitable margins for investment sales
• Review competitor pricing models and make recommendations to management to remain competitive in the market
• Manage the shipping and purchase of closed loan packages
• Provides expertise and serves as a resource to all mortgage loan officers regarding lock-in policies and procedures
• Capable of resolving escalated issues from loan operations and requiring coordination with other departments
• Manage a designated staff of 2 to 4 full and part-time employees
• May assist in Residential Construction Loan oversight
• Additional responsibilities as assigned.
• Be familiar with and comply with the provisions of the Bank Secrecy Act and USA PATRIOT Act as they relate to the functions of this position. Complete all required reports related to those acts and reports any observed violations or potential violations of those acts to a supervisor or other appropriate bank officer.
• Be familiar with and comply with all federal and state banking regulations as applicable.

 

 

PHYSICAL DEMANDS & WORK ENVIRONMENT

• Must be able to lift 25lbs

• Reasonable accommodations may be made to enable individuals with disabilities to perform the essential functions.

 

EXPERIENCE and/or EDUCATION

• Bachelor’s Degree in business-related major preferred
• Minimum of seven (7) years’ experience in Mortgage Loan Operations and Management

 

LICENSES & DESIGNATIONS

• NMLS Registration

 

CORE COMPETENCIES

Communication – Speaks and writes clearly, informatively, and persuasively in positive or negative situations; listens and gets clarification; responds well to questions; demonstrates group presentation skills; participates in meetings; presents numerical data accurately; able to read and interpret written information.

Analytical – Synthesizes complex and diverse information; collects and researches data; uses intuition and experience to complement data.

Technical Skills – Assesses own strengths and weaknesses; pursues training and development opportunities; strives to continuously build knowledge and skills; shares expertise with others. Has a thorough understanding of underwriting, coverages and rating procedures

Strategic Thinking – Understands organization’s strengths and weaknesses; analyzes market and competition; identifies externals threats and opportunities; adapts strategy to changing conditions.

Quantity – Meets productivity standards; completes work in a timely manner; strives to increase productivity; works quickly.

Innovation – Displays original thinking and creativity; meets challenges with resourcefulness; presents ideas and information in a manner that gets others’ attention.

 

*Grade Level commensurate with experience

Teller

Non-Exempt – Grade Level 1

Equal Employment Opportunity

 

CORPORATE VALUES & MISSION

“Provide superior service and high-quality advice and show utmost respect to everyone we meet.”

 

GENERAL SUMMARY

The function of a teller is to play a vital role in the customer banking experience.  Tellers are the face of ChoiceOne Bank. As a Teller you will provide World Class Customer Service by handling transactions accurately and efficiently.  Through your daily interactions with customers you will discover opportunities to help grow ChoiceOne Bank and introduce your customers to a banker.

 

REPORTS TO: Assistant Branch Manager and Branch Manager

 

ESSENTIAL DUTIES & RESPONSIBILITIES

• Perform and follow the Bank’s policies, procedures, and customer service standards
• Operate teller window in accordance with bank policy, balancing daily
• Meet and exceed teller sales/referral goals
• Process cash and non-cash bank transactions accurately, efficiently, and with confidentiality
• Acquire and maintain up-to-date knowledge of banking products, financial services, and technology
• Develop relationships with clients and ensure customers’ awareness of services offered. Recognize clients’ needs and make referrals to bankers.
• Perform other miscellaneous duties, including night deposits, ATM balancing and service, supply restocking and ordering, answering phones, etc.; and other duties that may be required from time to time.
• Be familiar, and comply, with the provisions of the Bank Secrecy Act, FACTA and USA PATRIOT Act as they relate to the functions of this position.  Complete all required reports related to those acts and reports any observed violations, or potential violations of those acts, to a supervisor or other appropriate bank officer.
• Be familiar, and comply, with all federal and state banking regulations as applicable.

 

PHYSICAL DEMANDS & WORK ENVIRONMENT

• Must be able to lift 25lbs
• Standing required for extended periods of time, up to entire length of shift
• Reasonable accommodations may be made to enable individuals with disabilities to perform the essential functions.
• Requires schedule flexibility

 

EXPERIENCE and/or EDUCATION

• Minimum of 6 months cash handling experience preferred
• High School or GED

 

CORE COMPETENCIES

In addition to the Essential Duties & Responsibilities, individuals in this position are expected to exhibit the following:

Oral Communication – Speak clearly and persuasively in positive or negative situations; listen and receive clarification; respond well to questions; demonstrate group presentation skills; participate in meetings.

Technical Skills – Assess your strengths and weaknesses; pursue training and development opportunities; strive to continuously build knowledge and skills; share expertise with others.

Quality – Demonstrate accuracy and thoroughness; monitor work to ensure quality.

Quantity – Meet productivity standards; complete work in a timely manner; strive to increase productivity; work quickly and accurately.

Adaptability – Adapt to changes in the work environment; manage competing demands; able to deal with frequent change, delays or unexpected events.

Attendance/Punctuality – Follows schedule consistently in a timely manner; limits absenteeism; ensures work responsibilities are covered when absent; arrives at meetings and appointments on time.

Flexibility – able to provide flexibility and adapt to changing schedules.

Dependability – Follow instructions; respond to management direction; take responsibility for own actions; keep commitments; commit reaching goals; complete tasks on time or notifies appropriate person with an alternate plan.

Initiative – Undertake self-development activities; take independent actions and calculated risks; look for and take advantage of opportunities to help customers and ChoiceOne Bank; ask for and offer help when needed.

 

 

 

 

 

 

Teller

Non-Exempt – Grade Level 1

Equal Employment Opportunity

 

CORPORATE VALUES & MISSION

“Provide superior service and high-quality advice and show utmost respect to everyone we meet.”

 

GENERAL SUMMARY

The function of a teller is to pay a vital role in the customer banking experience.  Tellers are the face of ChoiceOne Bank. As a Teller you will provide World Class Customer Service by handling transactions accurately and efficiently.  Through your daily interactions with customers you will discover opportunities to help grow ChoiceOne Bank and introduce the customers to a banker.

 

REPORTS TO: Assistant Branch Manager and Branch Manager

 

ESSENTIAL DUTIES & RESPONSIBILITIES

• Perform and follow the Bank’s policies, procedures, and customer service standards
• Operate teller window in accordance with bank policy, balancing daily
• Meet and exceed teller sales/referral goals
• Process cash and non-cash bank transactions accurately, efficiently, and with great confidentiality
• Acquire and maintain up-to-date knowledge of banking products, financial services, and technology
• Develop relationships with clients and ensure customers’ awareness of services offered. Recognize clients’ needs and make referrals to the desk
• Perform other miscellaneous duties, including night deposits, ATM balancing and service, supplies, answering phone, etc.; and other duties that may be required from time to time.
• Be familiar with and comply with the provisions of the Bank Secrecy Act FACTA and USA PATRIOT Act as they relate to the functions of this position.  Complete all required reports related to those acts and reports any observed violations or potential violations of those acts to a supervisor or other appropriate bank officer.
• Be familiar with and comply with all federal and state banking regulations as applicable.

 

PHYSICAL DEMANDS & WORK ENVIRONMENT

• Must be able to lift 25lbs
• Standing required for extended periods of time, up to entire length of shift
• Reasonable accommodations may be made to enable individuals with disabilities to perform the essential functions.
• Requires schedule flexibility

 

EXPERIENCE and/or EDUCATION

• Minimum of 6 months cash handling experience preferred
• High School or GED

 

REQUIRED 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.

 

CORE COMPETENCIES

Confidentiality – Keeps sensitive business, client, and personnel matters private

Problem Solving – Identifies and resolves problems in a timely manner; gathers and analyzes information skillfully; develops alternative solutions; works well in group problem solving situations; uses reason even when dealing with emotional topics.

Customer Service – Manages difficult or emotional customer situations; responds promptly to customer needs; solicits customer feedback to improve service; responds to requests for service and assistance; meets commitments.

Oral Communication – Speaks clearly and persuasively in positive or negative situations; listens and gets clarification; responds well to questions; demonstrates group presentation skills; participates in meetings.

Written Communication – Writes clearly and informatively; edits work for spelling and grammar; varies writing style to meet needs; presents numerical data accurately; able to read and interpret written information.

Interpersonal Skills – Focuses on solving conflict, not blaming; maintains confidentiality; listens to others without interrupting; keeps emotions under control; remains open to others’ ideas and tries new things.

Teamwork – Balances team and individual responsibilities; exhibits objectivity and openness to others’ views; gives and welcomes feedback; contributes to building a positive team spirit; puts success of team above own interests; able to build morale and group commitments to goals and objectives; supports everyone’s efforts to succeed; makes self- available to staff; develops their skills and encourages growth; solicits and applies customer feedback (internal and external); fosters quality focus in others; improves processes, products and services.

Technical Skills – Assesses own strengths and weaknesses; pursues training and development opportunities; strives to continuously build knowledge and skills; shares expertise with others. Has a thorough understanding of underwriting, coverages and rating procedures.

Ethics – Treats people with respect; keeps commitments; inspires the trust of others; works with integrity and ethically; upholds organizational values.

Organizational Support – Follows policies and procedures; completes administrative tasks correctly and on time; supports organization’s goals and values; supports affirmative action and respects diversity.

Diversity – Promotes a harassment-free environment.

Strategic Thinking – Understands organization’s strengths and weaknesses; analyzes market and competition; identifies externals threats and opportunities; adapts strategy to changing conditions.

Motivation – Demonstrates persistence and overcomes obstacles; takes calculated risks to accomplish goals. Is a self-starter.

Professionalism – Approaches others in a tactful manner; reacts well under pressure; treats others with respect and consideration regardless of their status or position; accepts responsibility for own actions; follows through on commitments.

Quality – Demonstrates accuracy and thoroughness; monitors own work to ensure quality.

Quantity – Meets productivity standards; completes work in a timely manner; strives to increase productivity; works quickly.

Safety and Security – Observes safety and security procedures.

Adaptability – Adapts to changes in work environment; manages competing demands; changes approach or method to best fit the situation; able to deal with frequent change, delays or unexpected events.

Attendance/Punctuality – Is consistently at work and on time; ensures work responsibilities are covered when absent; arrives at meetings and appointments on time.

Flexibility – able to provide flexibility and adapt to changing schedules.

Dependability – Follows instructions; responds to management direction; takes responsibility for own actions; keeps commitments; commits to long hours of work when necessary to reach goals; completes tasks on time or notifies appropriate person with an alternate plan. 

Initiative – Undertakes self-development activities; takes independent actions and calculated risks; looks for and takes advantage of opportunities; asks for and offers help when needed.

Innovation – Displays original thinking and creativity; meets challenges with resourcefulness; presents ideas and information in a manner that gets others’ attention.

Teller

Non-Exempt – Grade Level 1

Equal Employment Opportunity

 

CORPORATE VALUES & MISSION

“Provide superior service and high-quality advice and show utmost respect to everyone we meet.”

 

GENERAL SUMMARY

The function of a teller is to pay a vital role in the customer banking experience.  Tellers are the face of ChoiceOne Bank. As a Teller you will provide World Class Customer Service by handling transactions accurately and efficiently.  Through your daily interactions with customers you will discover opportunities to help grow ChoiceOne Bank and introduce the customers to a banker.

 

REPORTS TO: Assistant Branch Manager and Branch Manager

 

ESSENTIAL DUTIES & RESPONSIBILITIES

• Perform and follow the Bank’s policies, procedures, and customer service standards
• Operate teller window in accordance with bank policy, balancing daily
• Meet and exceed teller sales/referral goals
• Process cash and non-cash bank transactions accurately, efficiently, and with great confidentiality
• Acquire and maintain up-to-date knowledge of banking products, financial services, and technology
• Develop relationships with clients and ensure customers’ awareness of services offered. Recognize clients’ needs and make referrals to the desk
• Perform other miscellaneous duties, including night deposits, ATM balancing and service, supplies, answering phone, etc.; and other duties that may be required from time to time.
• Be familiar with and comply with the provisions of the Bank Secrecy Act FACTA and USA PATRIOT Act as they relate to the functions of this position.  Complete all required reports related to those acts and reports any observed violations or potential violations of those acts to a supervisor or other appropriate bank officer.
• Be familiar with and comply with all federal and state banking regulations as applicable.

 

PHYSICAL DEMANDS & WORK ENVIRONMENT

• Must be able to lift 25lbs
• Standing required for extended periods of time, up to entire length of shift
• Reasonable accommodations may be made to enable individuals with disabilities to perform the essential functions.
• Requires schedule flexibility

 

EXPERIENCE and/or EDUCATION

• Minimum of 6 months cash handling experience preferred
• High School or GED

 

REQUIRED 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.

 

CORE COMPETENCIES

Confidentiality – Keeps sensitive business, client, and personnel matters private

Problem Solving – Identifies and resolves problems in a timely manner; gathers and analyzes information skillfully; develops alternative solutions; works well in group problem solving situations; uses reason even when dealing with emotional topics.

Customer Service – Manages difficult or emotional customer situations; responds promptly to customer needs; solicits customer feedback to improve service; responds to requests for service and assistance; meets commitments.

Oral Communication – Speaks clearly and persuasively in positive or negative situations; listens and gets clarification; responds well to questions; demonstrates group presentation skills; participates in meetings.

Written Communication – Writes clearly and informatively; edits work for spelling and grammar; varies writing style to meet needs; presents numerical data accurately; able to read and interpret written information.

Interpersonal Skills – Focuses on solving conflict, not blaming; maintains confidentiality; listens to others without interrupting; keeps emotions under control; remains open to others’ ideas and tries new things.

Teamwork – Balances team and individual responsibilities; exhibits objectivity and openness to others’ views; gives and welcomes feedback; contributes to building a positive team spirit; puts success of team above own interests; able to build morale and group commitments to goals and objectives; supports everyone’s efforts to succeed; makes self- available to staff; develops their skills and encourages growth; solicits and applies customer feedback (internal and external); fosters quality focus in others; improves processes, products and services.

Technical Skills – Assesses own strengths and weaknesses; pursues training and development opportunities; strives to continuously build knowledge and skills; shares expertise with others. Has a thorough understanding of underwriting, coverages and rating procedures.

Ethics – Treats people with respect; keeps commitments; inspires the trust of others; works with integrity and ethically; upholds organizational values.

Organizational Support – Follows policies and procedures; completes administrative tasks correctly and on time; supports organization’s goals and values; supports affirmative action and respects diversity.

Diversity – Promotes a harassment-free environment.

Strategic Thinking – Understands organization’s strengths and weaknesses; analyzes market and competition; identifies externals threats and opportunities; adapts strategy to changing conditions.

Motivation – Demonstrates persistence and overcomes obstacles; takes calculated risks to accomplish goals. Is a self-starter.

Professionalism – Approaches others in a tactful manner; reacts well under pressure; treats others with respect and consideration regardless of their status or position; accepts responsibility for own actions; follows through on commitments.

Quality – Demonstrates accuracy and thoroughness; monitors own work to ensure quality.

Quantity – Meets productivity standards; completes work in a timely manner; strives to increase productivity; works quickly.

Safety and Security – Observes safety and security procedures.

Adaptability – Adapts to changes in work environment; manages competing demands; changes approach or method to best fit the situation; able to deal with frequent change, delays or unexpected events.

Attendance/Punctuality – Is consistently at work and on time; ensures work responsibilities are covered when absent; arrives at meetings and appointments on time.

Flexibility – able to provide flexibility and adapt to changing schedules.

Dependability – Follows instructions; responds to management direction; takes responsibility for own actions; keeps commitments; commits to long hours of work when necessary to reach goals; completes tasks on time or notifies appropriate person with an alternate plan. 

Initiative – Undertakes self-development activities; takes independent actions and calculated risks; looks for and takes advantage of opportunities; asks for and offers help when needed.

Innovation – Displays original thinking and creativity; meets challenges with resourcefulness; presents ideas and information in a manner that gets others’ attention.

1. Provide excellent customer service and effectively resolving customer issues.
2. Be proficient in understanding and educating customers on consumer deposit products and consumer lending.
3. Drive sales through walk-in customers with a disciplined sales process and using current technology to drive both sales and service.
4. Obtain referrals from customers, other bank colleagues and partners while educating and referring customers to other areas of the bank to deepen relationships and build a strong partnership.
5. Adhere to all operational, security, risk and regulatory policies and procedures.
6. Demonstrate good judgement in sales, customer service, relationship management, banking, investments, consumer lending, business banking, business lending, communication and presentation.
7. Process customers day to day transactions as needed.
8. Additional responsibilities as assigned.
9. Is responsible for being familiar with and complying with the provisions of the Bank Secrecy Act and USA PATRIOT Act as they relate to the functions of this position. Completes all required reports related to those acts and reports any observed violations or potential violations of those acts to a supervisor or other appropriate bank officer.

1. High School Diploma AND one (1) year of customer service in banking, financial services or goal driven retail sales
2. Career minded individuals that want to join an organization where they can gain experience and build a career. ChoiceOne provides career paths and development plans to get you where you want to go.
3. Bachelor’s Degree in business related major preferred
4. Cash handling skills preferred but not required
5. Comfort with technology such as mobile services and online banking services is a plus
6. Flexible, dependable, service and goal oriented
7. Good organizational and communication skills. Excellent written and verbal skills
8. Must participate in various bank workshops, seminars, and continuing education classes related to banking.
9. Involvement in community organizations and participation in community projects and events as deemed appropriate
10. Ability to lift 25 lbs

1. Accountable to senior management for the fulfillment of their functions, responsibilities, and proper interpretation of authority.
2. Extensive contact with clients, the public, and the community and to conduct relationships in a manner that will enhance the overall strategy and marketing efforts of the organization.
3. Involvement in community organizations and participation in community projects and events as deemed appropriate.