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nancial Services Specialists (FSS) are responsible for offering and selling personal and business financial products and services (e.g., checking accounts, loans, credit cards, CDs,) to customers, provides sales and service functions, including teller functions while providing the customer with an exceptional customer experience. The Financial Services Specialist builds and sustains relationships with consumer and business customers. A FSS recognizes and responds to customer needs during the appropriate times and circumstances to perform each role. This position can also be used to provide on demand staffing support to multiple Sterling branches.

Essential Duties:
•Develop establish, retain, build rapport, and deepen relationships with existing and new customers in the community to achieve branch sales goals and provide “Hometown Helpful” service. Determine customer needs and recommending the right solutions and “perfect fit” products.
•Responsible for opening a variety of new personal and business checking, savings, certificates and IRA accounts, offers personal and business loan solutions, takes loan applications, responds to customer inquiries, resolves issues, and recognizes and refers cross sales opportunities.
•Responsible for full knowledge of all credit needs.
•Analyze review and submit all personal and business loan requests, including financial statements and tax returns. Prepare and process loans from origination to disbursement.
•Maintain portfolio quality by monitoring and resolving loan delinquencies, credit quality and loan/deposit maturities.
•Identify customer needs, recommends the right solutions and products, closes sale, addresses questions/objections, and asks for referrals. Educate customer on alternative channels that provide service.
•Develop customer relationships through active profiling. Determine customer deposit and loan needs by profiling.
•Responsible for running a cash drawer as needed.
•Responsible for providing service to customers with banking needs that includes processing transactions accurately and efficiently to build customer confidence and trust, including IRA contributions, rollovers, transfers and distributions.
•Perform and adhere to all operational and security policies and procedures. Comply with and enforces compliance and privacy policies and procedures to maintain customer confidentiality and information protection.
•Identify and refer clients to other Sterling Savings Bank financial products and services and subsidiaries, through outbound calls, prospecting, community service, and in-branch customer visits.
•Perform community service as assigned by the manager.
•Responsible for follow-ups and establishing new relationships with customers as result of sales campaigns, promotions at the branch, telephone, and direct mail.
•Responsible for achieving sales goals, understanding sales strategies, identifying gaps and adjust sales activities weekly to meet goals.
•Perform branch functions requiring an in-depth knowledge of branch transactions. May include monthly cash counts, cash control, interest penalty calculations, branch self audits and others.
•Responsible for actively promoting credit life and disability insurance on consumer loans and personal lines of credit (PLCs). Acquire any applicable licenses.
•Perform security and maintenance of proper cash requirements in their teller drawers, adheres to authority limits, and balances teller drawer/cash.
•Responsible for representing Sterling Savings Bank in a professional, confidential and courteous manner.

Education:
Preferred - High School Diploma or GED

Skills and Knowledge:
Work Experience 1 - 3 years in banking or retail environment with proven effective customer service and cash handling experience. Prefer minimum 1 year experience in a lending function to become familiar with loan origination and processing functions, or equivalent training

•Ability to effectively deal with all levels of customers in a professional, “Hometown Helpful” manner. Maintain a friendly, courteous demeanor throughout the day. Strong customer service skills and customer focused.
•Proven ability to prospect, plan selling strategy and make cold calls. Sales and business development skills necessary to develop and actively participate in a calling program.
•Proven ability to refer bank products and services and to explain and relate services to other people. Also refer using “needs-based” selling.
•Advanced level interpersonal and listening skills. Be able to communicate verbally and in writing. Ability to maintain confidentiality. Adaptable
•Advanced problem solving skills. Ability to operate on-line terminal, keyboard, calculator. Basic math calculations
•Basic teller training course completion would be helpful.

Environmental Demands:
Ability to stand for long periods of time when providing customer service. Requires professional dress and attire. Length of working day can be unpredictable due to balancing. Exposed to potential hazard of robbery - receives detailed instruction to minimize risk. Must be available to work when branch is open, sometimes including weekends. Must have personal transportation to and from outside business calls, inspections sites, and between branches.

>>>>>>FOR MORE INFORMATION ABOUT THIS JOB AND TO APPLY PLEASE GO TO http://www.hound.com >>>>>>>>>
Email- employment@hound.com

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Published at 07-31-2010
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