SALES & SERVICE REPRESENTATIVE - St. Croix

SALES & SERVICE REPRESENTATIVE - ECR

Reports to: Branch Sales Assistant Manager

Department: Branch Banking

Location: St. Croix - ECR

Job Summary: The Sales and Service Representative promotes banking products and services through direct sales, referrals, and marketing campaigns. This role supports the branch’s sales culture and ensures compliance with all policies and regulations while achieving personal and branch goals.

Essential Responsibilities

• Attends and orients clients to bank products and services to affect the sales of bank products and services.
• Responds to and resolves routine client inquiries, informing andseeking guidance from management regarding the resolution of inquiries orissues beyond scope of authority.
• Develops and retains relationships with clients and presents alternatives to their needs in accordance with the Cohen Brown and One Stop Shopphilosophy.
• Gathers information from clients and performs dataentry/keyboarding functions to affect the establishment of accounts, ensuring adherence to bank and regulatory account opening requirements and other organizational requirements.
• Affects application processing in accordance with established documentation requirement procedures and performs functions to affect thetimely closing and disbursement of loan products.
• Verifies client’s availability of checking accounts funds. Maintains a log of the work area documents and forms.
• Complies with all related laws and regulations including but notlimited to the Bank Secrecy Act, Truth in Savings, Truth in Lending andCommunity Reinvestment Act.
• Prepares and submits production reports.
• Complies with and supports the Branch Sales Culture, working plans and administrative procedures, including but not limited to the Total Quality Program.

Other Responsibilities

• Performs greeter duties when needed, ensuring compliance with the organization’s service quality agenda.
• Assists management with special projects and tasks as requested.
• Performs other related duties as assigned.

Independence of Judgment

Very little exercise of independent discretion; the independence of judgment for this position is limited to defined and documented guidelines, policies and procedures. This position receives direction and guidance from members of the branch management team.

Supervisory Responsibilities

This position has no direct supervisory responsibilities.

Competencies

• Knowledge of the structure and content of the English language including the meaning and spelling of words, rules of composition, and grammar; the ability to speak and comprehend the English language.
• Computer literate and proficient in keyboarding
• Interpersonal, organizational, and listening skills
• Knowledge of banking laws and regulations
• Knowledge of banking products and services
• Knowledge of administrative and clerical procedures; managing files and records; and other related functions
• Team work orientation
• Analytical, thinking capability
• Customer service orientation

Impact of Errors

The impact of errors of this position could affect activities related to the position, unit and other departments, and the image of the organization. Errors have financial, legal and regulatory implications.

Physical Demands

Reasonable accommodations may be made to enable individuals with disabilities to perform the essential duties of this job. The employee is this position is required to sit, stand, walk, use hands and fingers to perform data entry activities, reach, handle and manipulate objects; hear, and speak. Specific vision abilities required by this job include close and distance vision.

Minimum Requirements

Associate’s Degree from an accredited institution of higher learning and/or4 to5 years of experience working in a financial services, sales or customer service environment.Experience in assessing clients' needs to sell, promote, refer or cross sell various bank products and services. Ability to work flexible and non-traditional hours, including Saturday, Sunday and holidays.

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