Personal Banker

Job Type

Full-time

Description

Position Title: Personal Banker

Department: Retail Branch

Reports To: Branch Manager

FLSA Status: Non-exempt

Last Revised/Approved: May 2023

POSITION SUMMARY:

The Personal Banker is responsible for providing an exemplary customer experience while accurately and courteously assisting customers, processing transactions, selling and cross-selling Bank services, opening Business and Retail accounts, originating new consumer loans, and performing other branch functions as assigned. Contributes to the overall sales growth of the bank. Be responsible for providing the highest level of Customer Service and adhering to the Bank's Core Values and Service Standards.

Position Expectations:

Customer Experience:

Provides the highest level of customer service, demonstrating "treating customers like owners."
Deepen customer relationships by providing the best deposit solutions for our customers.
Provides prompt, courteous, and efficient service to branch customers at the teller and drive-up windows, branch lobby and by telephone.
Demonstrates ability to handle routine service issues independently.
Refers customers to the appropriate bank personnel for more advanced problem resolution.
Performs other branch duties as required in order to exceed customer and bank expectations.
Meets or exceeds established objectives and standards for Retail Banking Specialist Performance.
Utilizes Customer Feedback process to support Service Standards.
Actively participates in community organizations and events. Represents the bank in the community.
Branch Operations:

Open new consumer and business accounts.
Refer loan and cash management opportunities to the appropriate staff.
Acts as a supervisor in the Branch Manager's absence.
Acts as a branch contact person for operations issues.
Opens and closes the branch in accordance with established procedures as required.
Oversees and assists with the overall operations of the branch including customer transactions, approve transactions requiring supervisor approval, signs official Bank checks to limit of authority, oversees branch cash orders, ensures branch cash records are maintained in accordance with established procedures as required, assists with cash verification duties.
Oversees ATM and other branch settlement procedures to ensure timely and accurate settlement of cash, cash items, and other monthly reports.
Loan Origination:

Originates consumer loan applications as required according to established bank policy and procedures.
May originate Home Equity Lines of Credit or Loans.
This position may require the employee to register as a mortgage loan originator with the Nationwide Mortgage Licensing System and Registry ("Registry") and obtain a unique identifier from the Registry before engaging in mortgage loan originator activities, to maintain and renew that registration on an annual basis, to update registration information with the Registry on a timely basis, and to provide that unique identifier to consumers as required by applicable SAFE Act regulations and Bank policies and procedures.
Refers leads to commercial lender, mortgage loan originator, branch personnel, or 3rd party vendors as appropriate.
Approves loans according to individual lending authority and bank policy.
Customer Transactions:

Provides prompt, courteous, and efficient service to branch customers as needed at the teller, drive-up, or customer service desk.
Processes customer teller or account transactions as needed.
NON-ESSENTIAL DUTIES AND RESPONSIBILITIES:

Performs additional duties as assigned.
General Expectations/Competencies:

Demonstrated ability to work as part of a team.
Be punctual for scheduled work and use time appropriately.
Perform duties in a conscientious, cooperative manner.
Perform required amount of work in a timely fashion with a minimum of errors.
Be neat and maintain a professional appearance.
Comply with all bank policies and procedures, including BSA and Information Security policies.
Maintain confidentiality and protect the Bank by keeping information concerning Bank operations and customer information confidential.
Able to consistently treat others with respect; keeps commitments; inspires the trust of others; works ethically and with integrity; upholds organizational values; accepts responsibility for own actions.
Strong commitment to achieving personal and team growth and success through an understanding and commitment to the Bank's sales culture goals.
Must have proven communication and interpersonal skills.
PHYSICAL REQUIREMENTS:

The physical requirements described here are representative of those that must be met by the Incumbent to successfully perform the essential functions of this job. Reasonable accommodations may be made to enable individuals with disabilities to perform the essential functions.

While performing the duties of this job, the employee is regularly required to walk, sit and talk and hear. The employee is frequently required to stand for extended periods of time, and use hands and fingers extensively to operate a standard computer keyboard and working at a computer monitor. The employee may occasionally lift and/or move up to 25 pounds. Specific vision abilities required by the job include close vision, distance vision, and the ability to adjust focus.

Must be able to spend extended periods of time operating a computer keyboard and working at a computer monitor.
Must be able to sit or stand for extended periods of time while waiting on customers.
Must be able to lift cash boxes and currency/cash bags of approximately 20 pounds.
WORK ENVIRONMENT:

The work environment characteristics described here are representative of those the incumbent encounters while performing the essential functions of this job. Reasonable accommodations may be made to enable individuals with disabilities to perform the essential functions.

When in the office, usual office conditions. Noise level is usually quiet. Required to visit business customers and prospects at their places of business, where conditions could vary.

QUALIFICATIONS NEEDED FOR POSITION:

Experience and Skill Requirements:

The following experience and skills are considered essential:

Previous banking experience
Experience in consumer loan origination
Education Requirements:

The following education requirements are considered essential:

Bachelor's degree or equivalent work experience.

** All requirements and skills are considered to be essential, unless otherwise indicated. **

External and internal applicants, as well as position incumbents who become disabled as defined under the Americans With Disabilities Act, must be able to perform the essential job functions (as listed) either unaided or with the assistance of a reasonable accommodation to be determined by management on a case by case basis.

The job description does not constitute an employment agreement between the employer and the employee and is subject to change by the employer as the needs of the employer and requirements of the job change.