CNB Bank Retirement Services Representative

Description

Retirement Services is dedicated to delivering exceptional deposit support to branch teams across all divisions of CNB Bank. The team is responsible for accurately reviewing, researching, and processing retirement-related requests, ensuring each transaction meets regulatory requirements while consistently meeting the needs and expectations of our clients.

Below is a list of essential functions of this position. Additional responsibilities may be assigned in the position.

KEY RESPONSIBILITIES

• Basic knowledge of how IRA/HSA Accounts function
• Ability to understand and process Transfers and Rollovers
• Regulatory knowledge of Required Minimum Distribution rules and penalties
• Monitor dormant accounts and Return Mail
• Assist with Tax reporting, Corrections, Withholding and monthly and quarterly reporting requirements

ATTITUDES

Builds positive relationships with internal and external clients by valuing other's feelings and rights in both words and actions, and embracing other's unique beliefs, backgrounds, and perspectives by demonstrating:

• Respect - Treats others with courtesy, professionalism, and fairness; listens actively and communicates thoughtfully.
• Client Focus - Consistently prioritizes client needs and expectations by delivering accurate, responsive, and dependable service.
• Inclusion - Embraces and respects individual differences, promotes collaboration, and contributes to an environment where all voices are valued.

BEHAVIORS

Demonstrates strong business ethics and honest behaviors and the ability to positively influence and work with others to achieve excellent results by demonstrating:

• Leadership - Takes ownership of responsibilities, leads by example, and contributes positively to team goals and continuous improvement efforts.
• Integrity - Acts ethically and transparently, maintains confidentiality, and adheres to policies, procedures, and regulatory requirements.
• Collaboration - Works effectively with colleagues, branch partners, and internal teams to solve problems, share knowledge, and achieve common objectives.
• Volunteerism - Actively supports team initiatives, willingly assists others, and contributes time and effort beyond core responsibilities to strengthen the organization and community.

COMPETENCIES

Reflects skill, good judgement, positive conduct, and personal responsibility for assigned areas. Seeks to implement and leverage services and technologies that create efficiencies by demonstrating:

• Accountability - Takes ownership of assigned work, follows through on commitments, and ensures accuracy, timeliness, and compliance in all responsibilities.
• Innovation - Proactively identifies opportunities for process improvement, embraces change, and leverages technology and best practices to drive efficiencies and continuous improvement.
• Professionalism - Maintains a high standard of conduct, communication, and reliability; demonstrates sound judgment and represents the organization positively in all interactions.

POSITION LEVEL(S) EXPECTATIONS (if applicable)

• Retirement Services Representative I (Foundation / Entry-Level)

Retirement Services Representatives I provide foundational support to branch teams across all divisions of CNB Bank. This role focuses on accurate processing of routine retirement transactions while developing a strong working knowledge of IRA and HSA products, procedures, and regulatory requirements.

Primary responsibilities include reviewing, researching, and processing basic retirement transactions such as contributions, distributions, prior-year contributions, statements, returned mail, and dormancy-related items. Representatives ensure documentation is complete and accurate, resolve routine exceptions, and escalate complex issues appropriately. This role also supports daily operational tasks, record retention, and document imaging to ensure data integrity and audit readiness.

• Retirement Services Representative II (Intermediate / Skilled Processing)

Retirement Services Representatives II provide advanced retirement processing support and serve as a trusted resource for more complex account activity. This role requires deeper technical knowledge, independent problem-solving, and consistent application of regulatory and policy requirements.

Responsibilities include researching and processing transfers, conversions, reversals, beneficiary updates, SIMPLE and charitable transactions, pre-authorizations, and stop requests. Representatives may assist with customer correspondence, exception resolution, and cross-training coverage. This role often supports branch inquiries by interpreting policy, procedures, and system data while maintaining a strong focus on accuracy, compliance, and client service.

• Retirement Services Representative III (Advanced / Subject Matter Expert)

Retirement Services Representatives III act as subject matter experts and provide leadership support within the Retirement Services team. This role is responsible for highly complex retirement processing, regulatory reporting, audits, and quality control.

Key responsibilities include managing 945 tax withholding processing, reconciliations, quarterly attestations, excess contributions, corrections, amendments, audit support, form maintenance, and regulatory correspondence. Representatives III also contribute to procedure development, training materials, and process improvements, ensuring regulatory compliance, consistency, and operational efficiency. This role may provide guidance and coaching to other team members and serve as a key liaison for audits and regulatory inquiries.

SEEKS PROFESSIONAL DEVELOPMENT OPPORTUNITIES

Takes advantage of ongoing development opportunities by participating in webinars and Bank-provided training programs to build knowledge of departmental processes, systems, and regulatory requirements. As skills, knowledge, and experience develop, opportunities may be available to progress to Retirement Services Representative II, Representative III, Team Leader, or Officer roles.

Training tracks are designed to help employees understand how their role impacts other areas of the Bank, provide tools for effective communication and collaboration, and support success in current and future positions. Annual, job-specific training assignments are provided and/or made available to ensure timely completion and continued professional growth. Some travel may be required.

Requirements

QUALIFICATIONS, EDUCATION, & EXPERIENCE

To perform this position successfully, an individual must be able to perform each essential position requirement satisfactorily and a skills inventory is listed below. A high school diploma or general education degree (GED) is required; related experience and post secondary education are preferred. A background screening will be conducted.

Position level and title will be commensurate with the individual's knowledge, experience, and education.

• LANGUAGE SKILLS: Ability to read, comprehend, and interpret documents. Possesses professional communication and interpersonal skills to write and speak effectively both one-on-one and before groups of clients or employees of the organization. Ability to communicate to clients directly and effectively.
• TECHNOLOGY SKILLS: Ability to utilize telephone systems and possess good digital literacy including email, internet and intranet use. Prior experience with, or the demonstrated ability to learn, the Bank's core processing systems, reporting tools, and other computer applications essential to performing job responsibilities effectively.
• MATHEMATICAL SKILLS: Ability to add, subtract, multiply, and divide in all units of measure. Ability to compute rates, ratios, and percentages, and to read, analyze, and interpret bar graphs and other basic data visualizations.
• REASONING ABILITY: Ability to apply common sense understanding to carry out instructions furnished in written, oral, or diagram form. Ability to solve challenging problems involving several variables in a standardized situation.
• PHYSICAL DEMANDS AND WORK ENVIRONMENT: The physical demands and work environment described here are representative of those that must be met by an employee to successfully perform the essential functions of this position.

This position operates in a professional office environment and requires substantial time spent at a desk using standard office equipment, including computers, telephones, and printers. The noise level is moderate, with frequent communication and interaction with colleagues and internal partners. The ability to travel occasionally to market areas and attend off site seminars, meetings, or training sessions is required.

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

DISCLAIMER: This job description is not an exclusive list of responsibilities and duties. They may change at any time without notice.

BENEFITS

• Medical, Dental, Vision & Life Insurance
• 401K with company match
• Paid Time Off & Recognized Holidays
• Leave policies
• Voluntary Benefit Options (Life, Accident, Critical Illness, Hospital Indemnity & Pet)
• Employee Assistance Program
• Employee Health & Wellness Program
• Special Loan and Deposit Rates
• Gradifi Student Loan Paydown Plan
• Rewards & Recognition Programs and much more!

Eligibility requirements apply.

CNB Bank is an equal opportunity employer and all applicants are considered based on qualifications without regard to sex, race, color, ancestry, religious creed, national origin, sexual orientation, gender identity, physical disability, mental disability, age, marital status, disabled veteran or Vietnam era veteran status. CNB Financial Corporation is an Affirmative Action Employer and is committed to fostering, cultivating and preserving a culture of diversity and inclusion.

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