Join our Chickasaw team as a Customer Service Representative and play a pivotal role in providing exceptional service to our valued customers. As a CSR, you will be the face and voice of Osgood Bank, assisting customers with a wide range of inquiries, from account management to financial guidance. Your empathetic communication skills and product knowledge will help you address customer needs, resolve concerns, and foster lasting relationships.
If you're friendly, passionate about finance, and enjoy problem-solving, this role offers you the chance to make a positive impact while advancing your career in the banking industry. Join us in shaping the future of banking and delivering unparalleled service to our communities.
Job Type: Full-time
Benefits:
Dental Insurance
Health Insurance
On-The-Job Training
Paid Time Off
Vision Insurance
Experience Level: No experience needed
Weekly Day Range: Monday - Friday and rotating weekends
Work Setting: In-person
Greet customers and answer phones promptly and with a friendly attitude.
Build customer rapport.
Become familiar with bank products and services to recommend and refer new services to customers based on their needs.
Ensure proper storage and security in cash drawers and vaults.
Adhere to all bank security standards - including dual control requirements.
Identify acceptable types of identification and handling of forged and/or altered identification.
Be knowledgeable of funds availability rules and place Regulation CC holds when necessary.
Process a variety of transactions, including withdrawals from deposit accounts, payments to loans and credit cards, and advances from lines of credit.
Scan and image documentation, completing workflows.
Assist others with miscellaneous tasks, mailings, and calls.
Represent the Bank in a manner that maintains and expands positive relations with all customers, potential customers, and coworkers through applying Osgood Bank's service standards.
Maintain the highest level of confidentiality with all information obtained.
To perform this job successfully, an individual must be able to perform each essential duty satisfactorily. The requirements listed 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.
High School Diploma or GED; or one to three months related experience and/or training; or equivalent combination of education and experience.
Ability to read and comprehend simple instructions.
Comfortable using computer systems and programs.
Basic mathematical skills.
Regularly required to sit; use hands to finger, handle, or feel; reach with hands and arms; and talk or hear.
Occasionally required to stand; walk; climb or balance; and stoop, kneel, crouch, or crawl.
Occasionally lift and/or move up to twenty-five pounds.
This role entails managing relationships within the bank's existing portfolio as well as looking for opportunities to expand those relationships.
You must have ability to travel to clients, as this comprises up to 25% of the position’s duties.
Interview loan applicant and obtain required financial information and tax returns for both new loan requests, and for renewals.
Compile underwriting information and work with the Bank’s Credit Analysts to develop a complete financial analysis of the applicant’s cash flow and financial status, including the applicant’s credit history. Collateral valuation will also be a part of this process.
Correspond with the applicant to resolve questions regarding the financial information that has been provided to the Bank. As necessary, negotiate loan terms, loan covenants, interest rates and loan fees.
Approve the loan request within the individual lending officer’s assigned lending authority or refer the loan request to the Division’s Director and / or the Bank’s Loan Committee, for approval. Ensure the correct risk grade is assigned to each loan.
Close approved loan(s) and ensure that all loan documents and all loan agreements are complete and accurate, according to the Bank’s Lending Policy.
When a loan request is denied, send adverse action notices in accordance with regulatory requirements and the Bank’s Lending Policy.
Meet expectations through managing specialty loan portfolio while continuing to expand prospective new business within the bank’s approved client network. Monitor individual loan pipeline on a regular basis.
Under the direction of the Division’s Director or Manager, manage the loan relationships that become delinquent, by taking appropriate action. Develop written action plans on situations where delinquency has the possibility or probability of becoming a serious problem. Make recommendations, when necessary, to have a delinquent loan(s) placed on the Bank’s “Watch List.”
Ability to travel as necessary for client meetings, conferences and conventions, a minimum of 25% of position’s duties.
Build customer rapport.
Familiar with bank products and services to recommend and refer new services to customers based on their needs.
Perform other duties as assigned.
To perform this job successfully, an individual must be able to perform each essential duty satisfactorily. The requirements listed 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.
Associate degree in business administration or equivalent from two-year college or technical school; or two years related experience and/or training; or equivalent combination of education and experience.
Knowledge of accounting, tax laws, and spreadsheet applications. Prior banking experience is preferred.
Ability to read, analyze, and interpret general business periodicals, professional journals, technical procedures, or governmental regulations. Ability to write reports, business correspondence, and procedure manuals. Ability to effectively present information and respond to questions from groups of managers, clients, customers, and the public.
Ability to work with mathematical concepts such as probability and statistical inference, and fundamentals of plane and solid geometry and trigonometry. Ability to apply concepts such as fractions, percentages, ratios, and proportions to practical situations.
Ability to solve practical problems and deal with a variety of concrete variables in situations where only limits standardization exists. Ability to interpret a variety of instructions furnished in written, oral, diagram, or schedule form.
Valid Driver’s License
Thank you for your interest in joining our team.
We are not currently advertising any additional openings, but if you think you'd be a good fit for Osgood Bank you can always submit your resumé and we will keep it on file in case something opens up.
Until then,
Do Well. Be Good.
