Personal Banker II

About

The Role

The Person al Banker is responsible for assisting customers with personal loans and opening basic deposit accounts. This role involves accepting loan applications, compiling necessary documentation for credit review, and managing personal checking and savings accounts, including Certificates of Deposit (CDs). A key aspect of this role is cross-selling bank products and services, such as online banking, credit cards, and other financial offerings, based on customer needs.

Personal Bankers must demonstrate initiative and sound judgment to effectively respond to customer requests while maintaining a high level of service. In addition, this role involves opening and maintaining deposit and savings accounts, safe deposit boxes, and e-banking products.

In this position, Personal Bankers will assist customers with personal loan applications, organize the necessary documentation for credit review and analysis, and manage personal deposit accounts. Building and maintaining a consumer loan portfolio is a key responsibility, along with ensuring compliance with all regulatory and policy guidelines. A high level of customer service is required, with a professional demeanor maintained during all interactions.

Personal Bankers will work independently and as part of cross-functional teams to achieve departmental and customer goals. They will also serve as a liaison, maintaining clear communication between customers and internal support staff. This role requires individuals to demonstrate good judgment, initiative, and an ability to solve problems efficiently while providing a seamless customer experience. The position demands a strong understanding of bank policies and regulatory guidelines, as well as the ability to work in a fast-paced environment while handling sensitive customer information.

Technical Lending Responsibilities

• Assist in originating and/or renewal of loans, through an initial interview with borrower, gathering required documentation and review of business and personal history and existing banking relationships. Present the evaluation to Lender/supervisor. In conjunction with a Lender, may assist in renegotiating any changes with the borrower.
• Develop and maintain a relationship with borrowing customers to broaden the bank's public image and to develop additional business for the bank.
• Complete joint calls with other lending officers to gain experience calling on customers.
• Position may be required to register and maintain current Mortgage Loan Originator registration, as required by law.
• Position may be required, as determined by supervisor/management, to provide notary services at the bank.
• Participate in on-going lending training as assigned.

Technical New Account Opening Responsibilities

• Assist with a wide variety of customer services including opening and maintaining deposit and savings accounts, safe deposit boxes, and e-banking products.
• Assist customers with opening CDs/IRAs and educate customers as to penalties, earnings, etc.
• Use every customer contact as an opportunity to advise customer about additional services or programs that might benefit them.
• Maintain proficient knowledge of deposit and consumer loan products and services to effectively present the appropriate solutions to the customer.
• Perform transactions for bank customers, including but not limited to: receive deposits, accept checks for cashing, accept loan payments, accept wire transfer requests, fill business change orders, issue cashier's checks, redeem savings bonds, sell travel cards, process credit card advance requests, process telephone transfers, process and record night deposit transactions, process check orders, issue debit cards.
• Possess a basic knowledge of bank products such as checking, savings, and money market accounts, CDs, and e-banking services.
• Promote High Performance Checking  Refer-A-Friend Program  as well as helping with branch displays and Big Day promotions.
• Effectively sell and cross-sell the services and accounts by the bank to best fit customers' needs.
• Assist customers in reconciling accounts, closing accounts, and change of addresses as well as providing…