Personal Banker

Key Responsibilities

• Analyze customer needs, assess risk, and structure consumer loans (including Consumer Loans, Rapid Reserve, and Credit Cards)
• Review and process loan applications, ensuring proper approval/denial procedures are followed
• Analyze financial and credit data to make informed lending decisions
• Present loans exceeding lending limits to appropriate authority for approval
• Ensure compliance with all lending regulations and proper lien filing
• Affiliate with collections, including delinquent accounts and NSF balances as authorized
• Provide exceptional service to customers and internal team members
• Build and maintain relationships to identify opportunities for additional services
• Participate in community outreach and the Bank’s Call Program to grow business
• Refer customers to other departments for specialized services
• Open, maintain, and close deposit accounts for consumer and business clients
• Affiliate with CDs, HSAs, IRAs, and other account types
• Support customers with online/mobile banking and digital tools
• Issue debit cards and resolve disputes or inquiries
• Handle routine account maintenance, including address changes and stop payments
• Maintain safe deposit boxes and general account servicing
• Maintain accurate documentation and electronic filing
• Ensure adherence to all bank policies and regulatory requirements (BSA, Patriot Act, OFAC, etc.)
• Maintain complete and compliant loan and account documentation
• Provide quality control feedback on credit files
• Maintain performance goals and lending guidelines

Qualifications

• Minimum 1 year of customer service experience required
• Banking, teller, or new account experience preferred
• High school diploma or GED required
• Bachelor’s degree in business, finance, or related field preferred
• Must be bondable
• Strong computer skills, including 10-key proficiency