Personal Banker

Come join our team and become a BankIowan! We are currently looking for a Personal Banker for Buchanan County.

Scheduling in the Buchanan County Offices, typically between Lamont and Independence, however, may be scheduled as staffing needs warrant in the Buchanan Market.

We offer a competitive salary, annual performance bonus, charity donation match, volunteering opportunities and many more employee perks!

Position Summary: Serve as the primary contact person in assisting clients with the opening of deposit accounts and consumer loans. Demonstrate an understanding of the link between client service operations and overall organization goals and needs, adhering to BEST. Support fellow employees in their efforts to contribute to the overall success of the bank.

Primary Accountabilities and Responsibilities (95%):

Accountability 1 (60%): Client Service Duties

• Possess effective sales skills. Proactively contact clients and network with potential clients to increase the deposit and loan portfolios.
• Recognize the importance of providing top quality service in a professional, efficient, and friendly manner to new and existing clients.
• Communicate effectively with clients to identify needs and then utilize skills and tools to refer client to the appropriate departments. Recognize service opportunities through use of core banking system, client profiles and market prospect list information.
• Possess a thorough knowledge of all bank products and services offered.
• Demonstrate an awareness of client needs by providing timely input on new products and services that would benefit our clients and enhance the bank's opportunity for growth and profitability.
• Develop and manage a loan portfolio in accordance with bank and department lending policies.
• Maintain confidentiality of client and bank information.
• Complete all specific client care duties including, but not limited to; fraud processing, wires and online banking assistance.
• Serve as a back up teller.
• May be scheduled at another branch within the market as staffing needs warrant and cover for any Consumer Banking role as needed.

Accountability 2 (20%): Operations

• Produce account documents that are accurate and comply with bank and governmental regulations.
• Enter and maintain account and client information in an accurate manner.
• Open and service IRA deposit accounts in compliance with bank and regulatory rules for IRA's.
• Open and service HSA deposit accounts in compliance with bank and regulatory rules.
• Pursue collection of past due consumer loans and charged off deposit accounts.
• Complete all operational duties.
• Process client's transaction requests accurately in compliance with established Best Practices. This includes but not limited to: completing cash withdrawals from savings and checking account after verifying ID and required balance, receiving loan payment with competent knowledge to obtain necessary information from computer to answer client questions, issue official checks and processing credit card advances, processing mail and night drop deposits, telephone transfers and US savings bond redemption, assisting clients for safe deposit

Accountability 3 (15%): Compliance

• Responsible for following bank policies and procedures for compliance relative to the functions of the position. Employee will also be responsible for completing applicable annual compliance training as required by compliance laws, regulations, and bank policy.
• Comprehend and comply with all pertinent Bank Secrecy Act/OFAC/CIP policies and procedures. Complete annual training. Identify new clients and establish expected patterns of behavior through core software and submission of the Certification of Beneficial Ownership. Communicate unusual activity or loan fraud to the BSA Officer.
• Complete BVS assignments.

Secondary Duties and Responsibilities: (5%)

• Contribute to maintaining the professional appearance of the bank premises and work areas.

• Perform miscellaneous duties as requested by supervisor relating to the bank and its functions. Other duties may be assigned.
• Participate in client functions and community service events as a bank representative.

Education, Experience, and Other Requirements:

• High School Diploma and banking experience
• Loan processing and/or combination of banking experience with lending/loan processing skills.
• Must be bondable
• Required to comply with the SAFE Act, including initial and ongoing registration in the NMLS Registry.
• Must become licensed for the sale of life and disability insurance for loan protection within 3 months.
• Knowledge of regulatory and compliance requirements.
• Knowledge of FIS Horizon and other supporting software for client and account management
• Completion of BVS New Account Curriculum
• Completion of Internal BankIowa New Account Training
• Completion of IRA/HSA Curriculum
• Completion of BVS Bank Sales Culture Curriculum
• Proven record of quality referrals

Physical Environment:

• The physical demands described here are representative of those that must be met by an employee to successfully perform the essential functions of this job. Reasonable accommodations may be made to enable individuals with disabilities to perform the essential functions.
• Performance of the job will include physical duties commensurate with a general office environment.

• The employee must occasionally lift and/or move up to ten pounds.

BankIowa is an Affirmative Action/Equal Opportunity Employer.

Qualified applicants are considered for employment without regard to age, race, color, religion, sex, national origin, sexual orientation, disability or veteran status.