Personal Banker Associate

About the role

Collaborates with the Branch Sales Manager to observe and understand consumer loan products and operations, gaining knowledge of the entire consumer lending process.

Responsibilities

• Possesses knowledge of all bank products and services to promote the financial institution and explain available products to customers.
• Services existing residential loan accounts and expands relationships through cross-selling and referrals.
• Interviews loan applicants, analyzes financial information, and works through the loan process to identify an appropriate loan decision.
• Prepares presentations for loan requests for the appropriate level of authority.
• Learns proper management of a loan portfolio as it pertains to consumer and residential loans under responsibility.
• Makes business development calls on existing and prospective customers.
• Maintains an active role in community affairs to improve the bank's visibility in the area.
• Assists in reducing past due loans and non-earning assets to a level determined by senior management.
• Ensures delivery of quality customer service in the branch through personal leadership and adherence to bank's quality standards.
• Completes outlined Training Plan for future growth into management of a loan portfolio independently.

Qualifications

• Bachelor degree from an accredited college with a concentration in accounting / finance preferred, or equivalent business related experience.
• One to two years of consumer and residential lending experience.
• Proven knowledge of loan policies and procedures.
• Ability to work independently, establish priorities, and meet established goals.
• Proven ability to motivate staff in sales.
• Registered with the NMLS.
• Strong personal leadership skills, organizational skills, and excellent verbal and written communication skills.
• Ability to analyze and summarize complex financial information, make presentations, and communicate recommendations.
• Ability to travel to various locations to meet with customers and bank personnel.
• Strong business development, customer relations, and decision-making skills are essential.