Personal Banker

About the role

The Personal Banker is responsible for acquiring new consumer and small business customers and expanding relationships with existing customers. He or she serves as a proactive member of the branch team as the initial sales and service contact for new and existing customers. The Personal Banker recognizes complex product and financial services opportunities as well as refers to Investment Services, the Residential Mortgage Lending Department, and commercial banking to help customers achieve their financial goals and the team to achieve business goals.

Responsibilities

• Represents the Bank in a courteous and professional manner
• Verifies transactions, monitors deposit amounts, examines documents for proper endorsement and negotiability, and detects and resolves discrepancies promptly
• Maintains security of assigned work area, places cash in teller drawer, and locks all drawers when leaving work area
• Serves as a backup-teller and performs a variety of functions in paying and receiving
• Serves as a backup-loan assistant performing a variety of functions in preparing and filing documents, tracking insurance, maintaining loans as needed, and reviewing loan applications to verify completeness
• Presents and explains Bank services and products to customers and assists in meeting their financial needs
• Opens and closes accounts by obtaining information from the customer and entering into the computer system
• Interviews, takes applications, gathers information, and processes preliminary documentation on loan requests
• Processes assigned cash and transactions, and balances at end of day
• Seeks opportunities to refer products and services for increased business to the Bank
• Enters loan information into automated software approval systems
• Services loans by processing such items as payments, payoffs, problem loan workout arrangements, loan draws, address changes, payment extensions, collateral releases, and payment due date changes
• Advise customers of loan approval or denial and explains loan denials precisely and clearly to customers
• Coordinates and processes loan closings and ensures loan documents are explained and acknowledged with customers and all disclosures are provided
• Helps other area personnel as required
• Keeps management informed of area activities and any significant problems or concerns
• Completes special projects as assigned

Qualifications

• Must be at least 18 years old
• High school diploma or GED required
• Customer service experience, including cash handling, required
• Banking experience preferred
• Knowledge of bank operations, policies, and procedures preferred
• Able to operate related computer applications and business equipment, including adding machine, typewriter, copy machine, coin and money counting machines, telephone, scanner, and branch capture machine
• Professional appearance, dress, and attitude