Personal Banker

Organization Overview:

German American State Bank was chartered on January 21, 1907, and prides itself as being one of the oldest community banks in the state of Illinois. German American State Bank is committed to serving its communities of German Valley, Pecatonica, Winnebago, and Belvidere with products and services to help achieve the financial goals of our customers. German American State Bank has grown from a single branch to now operating three full service locations by opening Pecatonica in 1999, Winnebago in 2005, and a loan production office in Belvidere in 2019. In 1986 with a foreword vision of the future of banking, German American State Bank and State Bank of Davis merged to form Foresight Financial Group, a multi-bank holding company. In addition to German American State Bank and State Bank of Davis, the holding company also is made up of State Bank Freeport, Northwest Bank of Rockford, Lena State Bank, and State Bank of Herscher.

Position Summary:

Provides outstanding service to our current customers while gaining new customer business by exceeding all of their service expectations. Maintains long-lasting, meaningful relationships with customers, resolving customer issues, engaging them to understand their financial needs and providing thoughtful solutions. Processes new account transactions of retail deposit accounts and consumer loans and assists customers in their selection of various accounts while cross-selling the Bank’s products and services.

Primary Responsibilities:

• Processes all types of new account transactions including assisting customers in their selection of various accounts and financial services while cross-selling the various Bank products and services; performs a thorough needs assessment to understand and offer appropriate products and services.
• Opens, maintains, and closes all types of accounts while promoting business for the Bank by maintaining good customer relations and referring customers to the appropriate staff when necessary; reviews all loan and deposit documentation with customers to ensure their understanding of products.
• Provides and promotes excellent customer service with a friendly demeanor, can-do attitude, and willingness to help at all times.
• Responsible for consumer lending by interviewing applicants, gathering appropriate credit application information, explaining loan products including rates, terms, and collateral requirements, obtaining credit reports, submitting information for underwriting, and communicating final credit decision to applicant.
• Maintains an in-depth knowledge of retail consumer and small business products/services including all types of deposit accounts, consumer loan products, IRA’s, and cash management products.
• Performs a variety of bank transactions including checking, savings, and loan transactions to maintain the efficient operation of the bank; generates stop payments and holds, accepts wire transfers, processes check orders and property tax payments, resets debit card PINs, processes debit card limit increases, unlocks online banking, and sells cashier’s checks, and license stickers.
• Assists customers on setup up and inquiries related to electronic banking including Online Banking and Mobile Banking.
• Actively participates in the branch incentive program by promoting and participating in a sales and service culture consistent with the Bank’s business plan goals.
• Requests retail and branch supplies including cashier’s checks, etc.
• Expected to act in capacity of Retail Banker and process transactions, when appropriate.
• Ensures compliance with all Bank policies and procedures and all applicable state and federal banking laws, rules and regulations including Bank Secrecy Act and Anti Money Laundering to assist management in monitoring for suspicious activity, money laundering, or other illegal customer activity. Responsible for the collection and verification of identifiable information in accordance with the PATRIOT Act when opening new accounts.

Please note this job description is not designed to cover or contain a comprehensive listing of activities, duties or responsibilities that are required of the employee for this job. Duties, responsibilities and activities may change at any time with or without notice.

Competencies:

Customer Service: Greets customers promptly and courteously; Provides efficient and accurate customer service; Manages difficult or emotional customer situations; Responds promptly to customer needs; Solicits customer feedback to improve service; Responds to requests for service and assistance.

Communication: Effective written and oral communication skills. Active listener; providing constructive feedback, coaching others toward performance improvement.

Sales: Analyzes customer needs, makes appropriate recommendations, educates customers and grow business of the bank.

Judgement/Problem Solving: Identifies and resolves problems in a timely manner; Gathers and analyzes information skillfully; Develops alternative solutions. Displays willingness to make decisions; Exhibits sound and accurate judgment; Supports and explains reasoning for decisions; Includes appropriate people in decision-making process; Makes timely decisions.

Initiative: Motivated and driven by achieving or surpassing expectations, proactively identifying efficiencies, learning new products and improving delivery of customer service.

Professionalism: Approaches others in a tactful manner; Reacts well under pressure; Treats others with respect and consideration regardless of their status or position; Maintains Integrity; Accepts responsibility for own actions.

Technical: Fluency in PC/Windows, Microsoft Internet Explorer, Word and Excel. Advanced knowledge of banking products, services, policies, procedures and regulations. Advanced knowledge and skill using the Jack Henry system.

Physical Demands and Work Environment:

This job operates in a clerical office setting. This role routinely uses standard office equipment such as computers, phones, copy machines, filing cabinets and fax machines. The physical demands described here are representative of those that must be met by a Team Member to successfully perform the essential functions of this job. Reasonable accommodations may be made to enable individuals with disabilities to perform the essential functions. This position requires manual dexterity. The Team Member must be able to legally operate a motor vehicle. While performing the duties of this Job, the Team Member is regularly required to sit or stand for extended periods of time.

Position Performance Standards:

Meets annual loan growth goals.

Meets annual deposit growth goals.

Opens expected volume of designated account types for assigned branch.

Quality and productivity standards for assigned branch met each month.

Performance Weightings:

30% Competencies

70% Position Performance Standards and Personal Goals

Qualifications:

HS Diploma or equivalent preferred. Minimum 2 years experience technical experience in banking, including a thorough knowledge of teller operations and procedures, account opening, and cash handling required. Must have a valid driver’s license and the ability to travel regionally, as needed.