Personal Banker

Under general supervision, performs sales and service activities to identify, promote, market, close, and support the financial needs of existing and potential customers.

This may include opening/closing accounts and cross-selling a variety of Bank products and services that most effectively meet the customers’ needs. Provides high-quality customer service information and support in a timely and effective manner, ensuring compliance with Bank policies and procedures and industry regulations.

Suggests and markets products and services to current and potential customers after accurately identifying appropriate products.

• Contributes to the delivery of exceptional customer service through personal effort to meet every customer’s unique needs.
• Assists in the solicitation and maintenance of profitable, long-term customer relationships.
• Assists in the calling effort on current and potential customers in order to gain new banking relationships and improve existing ones.

Establishes rapport and professional relationships with customers using effective listening/communication skills in order to process business transactions or establish new business, accounts, loans, etc.

• Demonstrates strong customer service skills by promptly recognizing customers and other visitors who enter the branch, calling them by name whenever possible, rising to greet them, shaking hands and introducing them to the appropriate sales and service staff and branch manager.
• Establishes rapport and professional relationships with customers using effective listening/communication skills in order to process transactions or establish new relationships.
• Utilizes active listening skills to identify customer needs and ask for additional business to match to appropriate products and services.
• Discerns customer needs, best product match, and advises customer about services, products, etc. that are available.
• Provides ongoing relationship servicing with current customers to maintain goodwill and gain additional business, recommending products or services as appropriate to meet customer needs.
• Opens new accounts according to established Bank policies and procedures while ensuring efficiency and accuracy, and complying with all appropriate disclosure requirements.
• Performs related account servicing responsibilities accurately, including account changes, responding to customer questions, resolving customer concerns, processing customer transactions, etc.
• Performs branch operations functions such as check cashing, accepting deposits, etc.
• Responds to customer inquiries and requests in a timely manner.
  
  Answers telephone calls and replies to e-mail inquiries.
  
  Addresses customer questions and concerns or refers to appropriate internal resources for resolution.
  
  Works cooperatively with branch manager and other staff to resolve issues to the customer’s satisfaction.
  
  Follows up with customers to ensure satisfactory outcomes.

• Personally participates in community events as appropriate.
• Assists in the Bank’s participation in community activities.

• Responsible for familiarity with all federal and state laws and regulations in the deposit area.
• Performs assigned duties within defined compliance policies and procedures.
• Completes all assigned compliance training in accordance with designated schedules.
• Ensures that all security and confidentiality procedures are followed according to the Bank's policies and procedures and regulatory requirements.
• Identifies fraudulent and suspicious activity to prevent potential losses to the Bank.
  
  Takes appropriate action and notifies supervisor and/or BSA Officer.

Establishes and maintains effective rapport within the branch as well as with other internal/external customers, vendors, management, etc., to ensure quality services and products.

• Keeps manager informed of potential new customers, business development activities, customer concerns, etc.
  
  Ensures the manager is informed of any potential impediment to the performance of assigned tasks.
  
  Solicits help and input as necessary.
• Negotiates and resolves conflicts regarding work assignments,…