Customer Service Representative / Lending Assistant

RB&T Mission Statement:

As a trusted partner and friend, River Bank & Trust helps our neighbors and the businesses in our communities to reach their financial goals.

Position Summary :

The Customer Service Representative (CSR) / Lending Assistant will primarily focus on delivering exceptional customer service while also providing support in lending-related tasks. This role combines the responsibilities of a CSR and Lending Assistant, ensuring smooth day-to-day operations in both areas. The individual will play a key role in building and maintaining positive relationships with our customers and assistant with lending documentations and processes.

Essential Duties and Responsibilities :

Reasonable accommodations may be made to enable individuals with disabilities to perform the essential functions. The essential functions include, but are not limited to the following: Customer Service Representative Identify customer needs and recommend appropriate banking products and services. Resolve escalated customer issues professionally and promptly. Open and close all account types Initial gathering and understanding of proper identification/documentation of the requirements to open a new account and/or make changes Provide ongoing maintenance to existing or closed accounts to include, but not limited to: process wire transfer requests, stop payments, name and address changes Prepare necessary reports, perform various clerical duties and/or miscellaneous projects and duties as assigned by Management Answer incoming calls and professionally greet all customers, vendors, examiners, and anyone else walking into the office Lending Assistant Initial gathering of required information for documentation for loans to ensure timely closings; and proper identification/documentation to open new accounts or make changes; Process loan payments, payoffs and requested draws; Follow up on past due loans occasionally and clear technical exceptions in a timely manner; Order title work, flood searches, UCC searches, and credit reports, and be able to interpret the reporting results; Request collateral valuation through internal or external sources; Package closed loans to ensure a complete set of documents and supporting information; Work with various professionals to facilitate document prep and loan closing (title companies, attorneys, environmental agencies, etc.); Prepare necessary reports for Relationship Managers and management as requested;

Knowledge, Skills, Abilities & Expectations :

Must be able to efficiently identify all of the customer's needs and excel in referring other products within all of the other lines of business that the bank may offer. This will be done by maintaining knowledge of both personal and business products. Stay familiar with and follow bank and regulatory policies and procedures. Stay abreast of regulatory requirements and complete annual compliance training applicable to the position Ability to apply general accounting knowledge processes (debits, credits, balancing) Assuring customer service is top priority whether internally or externally; treating customers and employees professionally, with courtesy and respect Maintain confidentiality of all customer records, accounts and transactions Ability to work in a fast-paced team environment, handle multiple tasks, and prioritize work Detail oriented and organized Excellent interpersonal, written and communication skills Integrity, discretion, and respect for confidential information are absolutely essential Willingness to adapt to change Work within a variety of different software and web applications Able to prioritize duties and effectively manage time Analytical and problem-solving skills Attend work on a regular basis, on time, and withstand varying degrees of stress Excellent interpersonal and communication skills Maintaining a professional, business-like appearance and demeanor Maintain confidentiality of all customer records, accounts and transactions; May represent the Bank in various community functions with a high level of integrity and professionalism. Be familiar with and follow applicable policies and procedures; Proficiency in Microsoft Office products to include:

Word, Excel, and Outlook Education and Experience:

High School diploma or equivalent 2+ years of prior banking experience preferred 2+ years of prior CSR experience preferred

Physical Demands :

The employee will occasionally lift and/or move up to 25 pounds. The employee will regularly sit; talk; hear; and use hands to finger, handle or feel. The employee will occasionally stand; walk; reach with hands and arms; climb and balance; and stoop, kneel, crouch, or crawl. Special vision requirements include close, distant, and peripheral vision; depth perception; and the ability to adjust focus. The noise level in the work environment is usually moderate. The work environment and physical demands are those of a standard retail branch setting. Reasonable accommodations may be made to enable individuals with disabilities to perform the essential functions of the job.

Disclaimer :

The above information has been designed to indicate the general nature and level of work performed within this job. It is not designed to contain or be interpreted as a comprehensive inventory of all duties, responsibilities, and qualifications required of employees assigned to the job. Incumbent must attend work on a regular basis, on time, and withstand varying degrees of stress. This position description describes the minimum selection requirements to qualify for the position. Promotion and other employment decisions are based on employer needs, being in good standing, fully competent performance, and other non-discriminatory subjects. Customer Service Representative / Lending Assistant 3.8 3.8 out of 5 stars 3617 Highway 280, Alexander City, AL 35010 Full-time

RIVER BANK & TRUST 17

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Full-time RB&T Mission Statement:

As a trusted partner and friend, River Bank & Trust helps our neighbors and the businesses in our communities to reach their financial goals.

Position Summary :

The Customer Service Representative (CSR) / Lending Assistant will primarily focus on delivering exceptional customer service while also providing support in lending-related tasks. This role combines the responsibilities of a CSR and Lending Assistant, ensuring smooth day-to-day operations in both areas. The individual will play a key role in building and maintaining positive relationships with our customers and assistant with lending documentations and processes.

Essential Duties and Responsibilities :

Reasonable accommodations may be made to enable individuals with disabilities to perform the essential functions. The essential functions include, but are not limited to the following: Customer Service Representative Identify customer needs and recommend appropriate banking products and services. Resolve escalated customer issues professionally and promptly. Open and close all account types Initial gathering and understanding of proper identification/documentation of the requirements to open a new account and/or make changes Provide ongoing maintenance to existing or closed accounts to include, but not limited to: process wire transfer requests, stop payments, name and address changes Prepare necessary reports, perform various clerical duties and/or miscellaneous projects and duties as assigned by Management Answer incoming calls and professionally greet all customers, vendors, examiners, and anyone else walking into the office Lending Assistant Initial gathering of required information for documentation for loans to ensure timely closings; and proper identification/documentation to open new accounts or make changes; Process loan payments, payoffs and requested draws; Follow up on past due loans occasionally and clear technical exceptions in a timely manner; Order title work, flood searches, UCC searches, and credit reports, and be able to interpret the reporting results; Request collateral valuation through internal or external sources; Package closed loans to ensure a complete set of documents and supporting information; Work with various professionals to facilitate document prep and loan closing (title companies, attorneys, environmental agencies, etc.); Prepare necessary reports for Relationship Managers and management as requested;

Knowledge, Skills, Abilities & Expectations :

Must be able to efficiently identify all of the customer's needs and excel in referring other products within all of the other lines of business that the bank may offer. This will be done by maintaining knowledge of both personal and business products. Stay familiar with and follow bank and regulatory policies and procedures. Stay abreast of regulatory requirements and complete annual compliance training applicable to the position Ability to apply general accounting knowledge processes (debits, credits, balancing) Assuring customer service is top priority whether internally or externally; treating customers and employees professionally, with courtesy and respect Maintain confidentiality of all customer records, accounts and transactions Ability to work in a fast-paced team environment, handle multiple tasks, and prioritize work Detail oriented and organized Excellent interpersonal, written and communication skills Integrity, discretion, and respect for confidential information are absolutely essential Willingness to adapt to change Work within a variety of different software and web applications Able to prioritize duties and effectively manage time Analytical and problem-solving skills Attend work on a regular basis, on time, and withstand varying degrees of stress Excellent interpersonal and communication skills Maintaining a professional, business-like appearance and demeanor Maintain confidentiality of all customer records, accounts and transactions; May represent the Bank in various community functions with a high level of integrity and professionalism. Be familiar with and follow applicable policies and procedures; Proficiency in Microsoft Office products to include:

Word, Excel, and Outlook Education and Experience:

High School diploma or equivalent 2+ years of prior banking experience preferred 2+ years of prior CSR experience preferred

Physical Demands :

The employee will occasionally lift and/or move up to 25 pounds. The employee will regularly sit; talk; hear; and use hands to finger, handle or feel. The employee will occasionally stand; walk; reach with hands and arms; climb and balance; and stoop, kneel, crouch, or crawl. Special vision requirements include close, distant, and peripheral vision; depth perception; and the ability to adjust focus. The noise level in the work environment is usually moderate. The work environment and physical demands are those of a standard retail branch setting. Reasonable accommodations may be made to enable individuals with disabilities to perform the essential functions of the job.

Disclaimer :

The above information has been designed to indicate the general nature and level of work performed within this job. It is not designed to contain or be interpreted as a comprehensive inventory of all duties, responsibilities, and qualifications required of employees assigned to the job. Incumbent must attend work on a regular basis, on time, and withstand varying degrees of stress. This position description describes the minimum selection requirements to qualify for the position. Promotion and other employment decisions are based on employer needs, being in good standing, fully competent performance, and other non-discriminatory subjects.