Personal Banker

Job Summary

Provide personalized banking services to new and existing customers by assisting with account needs and delivering exceptional customer service. This role is responsible for opening new accounts, establishing and maintaining consumer loan and deposit relationships, as well as basic teller duties following established bank policies and procedures. High degree of integrity, trust, and confidentiality are required.

Duties and Responsibilities

Primary

• Evaluate the needs of current and potential customers by offering appropriate financial products and services, and providing assistance with a variety of account-related tasks.
• Open personal and business accounts, prepare related documents, and follow up on outstanding items.
• Assist with consumer loan requests by interviewing applicants, gathering required information, completing loan applications, and advising customers on the approval process.
• Oversee the timely closing and funding of loans.
• Maintain a loan portfolio with sufficient documentation and minimal compliance exceptions.
• Collect delinquent accounts in a timely manner, following bank policies and procedures.
• Process a wide range of deposit transactions for lobby, drive-up, and telephone customers in a timely, efficient, accurate, and courteous manner.
• Maintain adequate cash supplies while adhering to cash limits.
• Recognize potential deposit compliance exceptions.
• Maintain compliance with all policies, procedures, and regulations in conducting transactions and performing operations.
• Provide education to customers on new products and services.
• Maintain confidentiality of customer conversations and information, as well as proprietary bank information.

Secondary

• Knowledge of various products, services, and delivery systems.
• Identify opportunities for additional consumer business.
• Deliver consistent, superior customer service in accordance with bank standards.
• Take ownership of customer issues until resolution, responding to inquiries and requests or directing them to appropriate resources.
• Provide support and service to colleagues to maintain and enhance customer service.
• Active involvement in community and civic organizations, representing the bank professionally.

Additional

• Follow established opening and closing procedures.
• Participate in training and bank meetings related to this position.

Requirements

Key Skills

• Ability to perform over-the-counter customer services.
• Exercise accuracy, alertness, good judgment, courtesy, tact, patience, and professionalism.
• Speak effectively, actively listen, and express thoughts clearly and thoroughly.
• Collaborate and cooperate with others, possessing effective working relationships with colleagues.
• Demonstrate work stability, self-sufficiency, and self-motivation, with satisfactory attendance/punctuality and flexibility in work schedule.
• High School diploma or equivalent, along with basic math proficiency.
• Previous cash handling experience preferred.

Physical Demands

The employee must be able to communicate effectively, stand, use hands to finger and handle keyboard, telephone, paper, files, and other equipment and objects. The employee is frequently required to walk, sit, and reach with hands and arms. Occasionally, the employee must lift and/or move up to 40 pounds. This position requires the ability to review detailed documents and read computer screens.

Work Environment

The work environment requires appropriate interaction with others. The noise level in the work environment is usually quiet.