Financial Services Representative (Personal Banker)

About the Role

A Financial Services Representative (FSR) supports sales and service delivery in the branch. The FSR builds and expands banking relationships through proactive customer outreach and customer service requests. This position is responsible for opening deposit accounts and related banking services and lending (including consumer real estate secured), as well as identifying and referring sales opportunities to the appropriate bank partner.

Qualities of a Successful Candidate

• Sales Outreach: Self-starter that is disciplined enough to manage daily calling activity to achieve required results.
• Communication Skills - Interpersonal: Comfortable and confident with proactively engaging in conversation.
• Customer Service Skills: Builds trust and confidence with clients.
• Adaptability: Has the ability to learn and adapt quickly to new information and technology.
• Teamwork: Strives to build strong working relationships with those on their team as well as cross-functional relationships.
• Influence: Capable of building rapport with different personalities to drive positive results.
• Agility: Able to process information and move quickly through problem resolution.

Responsibilities

• Sales: Achieve individual and/or team financial, production, and relationship results relative to the specific metrics and goals assigned. Sales results should align with the needs of the community and ultimately support the organizational commitment to diverse lending.
• Engage with customers, prospects, and referral sources through proactive outreach.
• Represent the Bank in the community by attending and participating in civic and community events for the purpose of generating additional business and identifying potential CRA opportunities for the Bank.
• Engage in sales practices that create value for both the customer and the bank. Ensure appropriate partnering, planning, and preparation to provide relevant financial guidance needed to drive informed decisions.
• Service Standards: Foster collaborative partnerships that deliver value for customers, prospects, and colleagues.
• Initiate conversation to uncover sales or referral opportunities.
• Listen attentively and ask insightful questions to understand customer needs and preferences; take prompt actions to address immediate needs.
• Proactively look for ways to optimize performance by seeking coaching, supporting Bank initiatives, and leveraging tools to enhance activities.
• Operations and Administration: Comply with all regulations, bank policies, procedures, and delegated authorities to manage risk related to credit, operational, reputational, regulatory, and legal aspects of personal interactions, customer transactions, and financial exposures.
• Complete required training by established deadlines.
• Perform general office management duties as assigned to ensure operational efficiency.
• Associates in roles defined to take deposits are accountable for transaction accuracy and operational efficiency of that function. Results may include accountability for individual contribution as well as team performance.

Qualifications

• Bachelor's Degree and 1 year of experience in Sales, customer service, or lending; or
• 6 months of experience in a customer support role at First Citizens Bank; or
• Participation in a First Citizens career development program; or
• High School Diploma or GED and 5 years of experience in Sales, customer service, or lending; or
• 6 months of experience in a customer support role at First Citizens Bank; or
• Participation in a First Citizens career development program.

Preferred Area of Experience: Financial services sales, telephone sales.

License or Certification Type: In cases where licensing is required, associates must complete the bank-sponsored licensing program within 12 months of entering the role.

• Skills:
  • Application of a structured sales process
  • Providing financial guidance and expertise
  • Financial literacy
  • Knowledge of retail banking products and services

Benefits

Benefits are an integral part of total rewards, and First Citizens Bank is committed to providing a competitive, thoughtfully designed, and quality benefits program to meet the needs of our associates. More information can be found at https://jobs.firstcitizens.com/benefits.