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Bank Customer Service Representative 3

Time Federal Savings Bank in Wausau, WI, USA

Position Summary:

The Customer Service Representative – 3 is part of the bank’s retail/consumer loan department. The primary responsibility is to help deepen customer relationships, attract additional customers and provide excellent customer service.

This position is responsible for originating consumer loans and includes making credit decisions (within authority guidelines), overall credit quality, and fee income.

In addition, this position will be responsible for opening new deposit accounts, including checking, savings and certificates of deposit and IRAs. As needed this position may be called on to support teller activity during peak times.

This position will also be responsible for completing sales activities to help attract new customers. These duties will include originating letters to be sent to customers and prospects, soliciting banking relationships, developing prospect lists, and other tasks as requested by the Retail Coordinator or Retail Manager.


Duties and Responsibilities

Loan Origination:

  • Responsible for generating consumer loans within guidelines set by bank policy and growth targets. This will include interviewing the customer and completing the loan application.
  • Authorize or recommend approval of consumer loans within authority guidelines.


  • Responsible for retail product sales. This will include deepening account relationships with existing customers and soliciting prospects to the bank.
  • Responsibilities will include sales, cross-selling and referring customers and prospects to bank accounts. Goals will be set for production in these areas.

Deposit Accounts:

  • Assist customers with their account transaction needs. This includes deposits, withdrawals, and consumer loan inquiries.
  • Assist walk-in customers with their new account needs. This will include checking, savings, certificates and the IRAs. Provide teller services to customers as needed.
  • Understand the various products the bank offers and is able to explain the value of those products to customers.
  • Assist walk-in and phone customers with problems or service issues related to their account(s). Assist with quality issues related to deposit accounts, including tracking and communicating issues to staff and their supervisors.
  • Understand bank operational procedures related to retail delivery. This may include product functionality, account documentation, platform/operational issues, CIP procedures, etc.

Customer Service:

  • Perform paying and receiving functions for customers. This will include deposits, withdrawals, and transfers. Additionally, the Customer Service Representative - 3 may sell cashier checks, money orders, gift cards, and help customers with additional related services.
  • Understand and comply with the related laws and compliance regulations that pertain. Examples include bank secrecy act, privacy, and funds availability policy.
  • Provide a high level of customer service. This includes understanding customer needs, as well as understanding the bank products offered.
  • Support customers with maintenance questions concerning their accounts. This will include address changes, check orders and the like.
  • Understands the importance of electronic delivery. Fully understands, utilizes, encourages and sells these products.
  • Must have competency using the online and mobile banking products, and the ability to trouble shoot common questions and concerns.


  • As part of the overall team of bank employees, this position may be requested to assist in the support of other bank activities.
  • Active involvement in the community.
  • Follow procedures and policies that ensure compliance with not only Bank policies and procedures, but also all applicable federal and state banking regulatory agency policies.
  • Comply with bank standards for attendance and hours of work.




High School diploma or equivalent, 2-year degree preferred. Two-three years customer service, teller/CSR experience preferred, or relevant experience. This job requires skills needed in a typical office environment. This includes computer skills as well as utilization of office equipment.

Skills and Abilities:


  • Able to adjust quickly to different work situations; remain composed under pressure and in stressful situations.

Attention to Detail:

  • Regard for important details to assure accuracy in every transaction performed; detect errors; follow through on corrections and details.

Change Management:

  • Must embrace change and see change as opportunity. Must be willing to express and support management's ideas to affected staff.

Customer Orientation:

  • Respond sensitively to the needs and priorities of the customer; recognize and take appropriate action to meet their needs; establish an effective working relationship with customers to gain their respect and loyalty.

Oral/Written Communication:

  • The ability to express thoughts and ideas in a clear and concise manner, both orally and in written form to a variety of audiences and to all levels of staff.


  • Project a positive image of the bank to all internal and external customers.

Retail Sales:

  • The potential to understand and effectively apply selling techniques to open, develop and close a sale; must be able to create interest in a product and actively cross-sell other products and services.
  • An overall understanding of bank products. This includes online, mobile, and electronic delivery products.

Time Management:

  • Ability to effectively manage one’s time to complete work according to established deadlines. The ability to prioritize tasks to make the best use of time for high priority tasks.

Team Player:

  • Must view oneself as part of an overall team. This includes supporting others throughout the entire bank to achieve the overall goals of the bank.


Working Environment

The work environment characteristics described here are representative of those an employee encounters while performing the essential functions of this job. Reasonable accommodations may be made to enable individuals with disabilities to perform the essential functions.



Valid driver’s license required for travel to Bank offices, training sessions, customer meetings, Bank and community meetings, etc.


Physical Requirements

The physical demands described here are representative of those that must be met by an employee to successfully perform the essential functions of this job.

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


While performing the duties of this job, the employee is regularly required to talk or hear. The employee is occasionally required to stand; walk; climb or balance; and stoop, kneel, or crouch. The employee must regularly lift and/or move up to 10 pounds and occasionally lift and/or move up to 50 pounds. Specific vision abilities required by this job include close vision, distance vision, color vision, and depth perception.

Must be willing to work in excess of 40 hours per week and Saturdays as scheduled