The Personal Banker establishes and maintains a satisfied customer base by providing superior banking services in a professional manner through platform and counter-based transactions following the Universal Banker model. The Personal Banker assesses the financial goals of customers and prospects and recommends appropriate needs-based products and services. The Personal Banker strives to build new and expand existing customer relationships through selling and/or referrals. The Personal Banker may provide coaching to less experienced branch staff.
Engages customers and prospects in a prompt and professional manner and provides an exceptional customer experience through interactions at the teller counter and the platform.
Utilizes knowledge of products and services to meet the customer’s financial needs.
Resolves customer complaints/problems in a tactful, effective manner to ensure that resolutions and follow-ups are completed in a timely and accurate manner.
Processes customer transactions with accuracy and efficiency.
Adheres to all operational policies and procedures including daily opening and closing routines.
Balances cashbox at end of work shift and verifies cash totals. Reports any discrepancies to the scheduled supervisor.
Adheres to all security and regulatory policies and procedures, including Bank Secrecy Act requirements, currency reporting requirements, check processing and funds availability guidelines, and all other position related regulations, policies and best practices.
Maintains thorough knowledge of the Bank’s deposit policies, procedures, products and services, applicable banking regulations, estate and probate laws.
Opens accounts and possesses sound knowledge of the features and benefits of the Bank’s products and services.
Understands FDIC insurance rules and regulations and assists customers in protecting their deposit accounts through the use of various account ownership arrangements.
Maintains thorough knowledge of the Bank’s loan policies, procedures, products and services and applicable banking regulations.
Partners closely with the branch management team to support and contribute to the branch sales goal achievement; contributes to the management of risk, operational efficiencies and overall objectives of the Bank.
Interacts daily with consumer and business markets to achieve new customer growth and expand relationships with existing customers; maintains a system of orderly on-boarding by mail and telephone with new customers to generate additional business.
Participates in skill-building training programs offered by the Bank and professionally administered educational programs.
Participates in bank and branch meetings.
Supports bank and branch community efforts and initiatives.
REQUIRED EDUCATION, EXPERIENCE, AND SKILLS
High School education along with a minimum of 2 – 3 years prior work experience which includes customer service, cash handling, sales and interpersonal skills, or some comparable combination of education and experience.
Proficient oral and written communication skills. Proficient computer and math skills; ability to operate a personal computer and other standard office equipment.
Ability to perform a variety of duties, often changing from one desk to another of a different nature without loss of efficiency or composure.
Ability to influence people in their opinions, attitudes, or judgments about ideas or things; to motivate, convince or negotiate. Ability to deal with people beyond giving and receiving instructions such as in a team, supervisory, marketing or counseling setting.
Ability to receive guidance and supervision, follow work rules and work procedures; meet deadlines, punctuality and attendance standards.
Ability to successfully complete transaction processing training, new accounts training and any other Universal Banker skills training or compliance training deemed necessary by the Bank.
Familiarity with financial institution deposit and loan products and services.
Ability to obtain an NMLS identification number with the Nationwide Mortgage Licensing system and Registry in accordance with the SAFE Act.