Personal Banker

Description

Position:
Personal Banker

Reports To:

Retail Operations Supervisor

FLSA:
Non-Exempt

Location:

TBD

The position of Personal Banker will open and service all types of deposit accounts and offer our products in person, via phone or other electronic communication in accordance with the organization’s Mission Statement and Core Values. As a Personal Banker, you will provide exceptional customer service and build relationships with new and existing customers so as to be able to refer them to other team member(s) or department(s) for additional services.

You will be expected to provide exceptional customer service to both external customers and internal team members while presenting a positive, get-it-done attitude. The position requires the ability to work within the community to develop business relationships. With time and experience, a Personal Banker will grow the Bank’s loan and deposit portfolio through Consumer Lending. The position reports to the Retail Operations Supervisor.

• Work cooperatively and respectfully in a Team Environment with all Bank Team Members

• Open deposit accounts and related products following procedures for reviewing, approving or denying applications for consumer and business customers
• Assist with closing accounts as requested by customer or Bank initiated closures; I.E. NSF, fraud, etc.
• Assist customers with online banking issues.
• Open, renew or redeem Certificates of Deposit.
• Assist with opening and servicing Health Savings Accounts (HSA) and Individual Retirement Accounts (IRA).
• Enter new account data and file maintenance into system.
• Look for opportunities to offer additional products and services to all customers.
• Issue Debit Cards, assist with customer inquiries, and research, resolve and maintain Debit card disputes.
• Complete scanning and/or electronic filing of account documentation daily or as needed.
• Assist with monthly reports.
• Assist customers with routine transactions such as address changes or stop payments.
• Assist customers with safe deposit box needs.
• Research and resolve customer inquiries.
• Be familiar with Bank’s Online Banking, Merchant capture, Courtesy Pay (overdrafts) program and other services.
• Maintain knowledge of banking products and services.
• Provide exceptional customer service while maintaining knowledge of Bank policies and procedures, applicable laws and regulations/compliance requirements including but not limited to the Bank Secrecy Act, the Patriot Act and the Office of Foreign Assets Control.

• Work with new and existing customers to analyze needs, determine risks and to structure loans (Consumer, Rapid Reserve and Credit Cards).
• Follow procedures for approval and denial of Consumer Loans, Rapid Reserves and Credit Cards.
• Analyze financial and credit information.
• Ensure compliance and disclosure requirements are met.
• Present loans over-lending limit to appropriate lending officer for approval/authorization.
• Ensure completeness of proper lien filing.
• Offer and sell insurance (per license) and other bank products and services to include, but not limited to new accounts, merchant processing, deposit products, and technology enhancements such as online/mobile banking, Business Online Banking, Merchant Capture, etc.
• Develop and maintain file documentation, working any exceptions related to compliance or missing documentation.
• Collect delinquent payments, pursue legal remedies when necessary and as authorized by Loan Committee.
• Assist with collecting money owed for customer whose accounts are closed due to NSF.
• Look for opportunities to offer additional products and services to all customers.
• Meet Performance Plan goals within acceptable tolerances.
• Participate in the Bank’s Call Program to develop business.
• Provide Quality Control feedback in regards to credit files so as to not exceed guidelines.
• Maintain knowledge of banking products and services.
• Provide exceptional customer service while maintaining knowledge of Bank policies and procedures, applicable laws and regulations/compliance requirements including but not limited to the Bank Secrecy Act, the Patriot Act and the Office of Foreign Assets Control.
• Follow…