New Accounts Representative- Full-Time

Department: Retail Banking Group • Reports To: Customer Service Manager • FLSA Status: Non-Exempt, Full-Time • Location: Tracy, CA

Pay

Salary Range: $20.67 – $28.85 per hour (good-faith estimate upon hire). This position includes eligibility for quarterly incentives and may be considered for annual performance-based salary increases; eligibility and amount are determined by individual performance and business needs.

Benefits

• Comprehensive benefits package including medical, dental, and vision coverage
• Retirement savings plan with employer match
• Paid time off
• Other voluntary benefits

Responsibilities

• Handle the opening, maintenance, and closure of various account types, including savings, checking, Individual Retirement Accounts (IRAs), and Certificates of Deposit (CDs)
• Engage with customers, explain financial services, and guide them through the account setup process
• Cross-sell bank products and services, and manage safe deposit boxes
• Record account information accurately, address customer inquiries, and rectify errors
• Navigate regulatory requirements, obtain necessary clearances, and adhere to established procedures
• Provide customers with all necessary disclosures before opening an account
• Interview customers to explain available financial services and tailor solutions to their needs
• Track personal information to build lasting relationships and follow up promptly
• Enter account details obtained from customers accurately into systems
• Refer customers to appropriate staff for additional services and obtain necessary clearances
• Manage check orders and admit customers to safe deposit vaults
• Place new account uncollected funds on hold and notify customers
• Process teller transactions, including deposits, withdrawals, and check cashing
• Verify signatures and ensure authentication measures are met when cashing checks or disbursing funds

Requirements

• High school diploma or GED required
• At least one year of experience in a financial institution, customer service, sales, or operations role—or an equivalent combination of education and experience
• Demonstrated ability to communicate effectively with customers and coworkers, both verbally and in writing
• Ability to apply common sense and judgment when handling non-routine situations or customer issues
• Working knowledge of banking operations and policies
• Basic math skills, including the ability to calculate interest, balance accounts, and accurately count cash and negotiable instruments

Preferred Qualifications

• Prior experience opening consumer deposit accounts (e.g., checking, savings, IRAs, CDs), distributing required disclosures, placing Reg CC holds, processing check orders, and completing documentation in accordance with bank policies
• Demonstrated ability to identify customer needs, cross-sell bank products and services, make appropriate referrals, and build long-term customer relationships through effective follow-up and service excellence
• Working knowledge of teller functions, including processing deposits and withdrawals, cashing checks, verifying signatures and authentication, admitting customers to safe deposit vaults, and balancing cash in a high-volume environment