Personal Banker

About the role

We are seeking a candidate who enjoys being of service to customers and possesses excellent communication skills for our Financial Service Specialist III (Banker) position at our Folsom branch.

Responsibilities

• Open new accounts, including personal, minor, business, trust, and other specialty accounts, ensuring accuracy, compliance, and a seamless onboarding experience
• Originate, evaluate, and process consumer loan applications, including auto, personal, credit card, secured/unsecured loans, and home equity products
• Conduct needs-based member interviews through consultative conversations to assess financial goals, borrowing needs, and eligibility for credit union products and services. Open IRAs and complete IRA maintenance such as withdrawals, rollovers, and transfers. Able to process deceased account closures and Member Account Transfers
• Analyze credit reports, income documentation, debt ratios, and collateral to determine creditworthiness and recommend appropriate lending solutions
• Refer member’s mortgage and investment needs to the appropriate person/department
• Mentor and train branch staff in loan and deposit products and services
• Provide notary and medallion stamp service to members
• Support branch operations by auditing new account packets, loan files, and daily work to ensure accuracy, completeness, and compliance with established policies and procedures
• Generate loan and membership growth through outbound calling, member referrals, business development, and community engagement
• Assist at other branches, as needed
• Maintain effective communication and working relationships with all members and co-workers
• Participate in external marketing events to gain new relationships and grow market share

Qualifications

• High School Diploma or equivalent
• Two-to-four-year experience in a financial services, banking, credit union operations, or a similar member-facing role
• Demonstrated experience in consumer lending, including loan interviewing, basic underwriting, and loan processing
• Proven experience opening new accounts (personal, business, trust, and specialty accounts) with accuracy and compliance
• Effectively reviews and analyzes account history to make informed risk-based decisions regarding check holds and transaction approvals to prevent losses
• Provide guidance, support, and training to all Financial Service Specialists

Physical Demands

• Keyboarding, up to 80% of the time
• Prolonged sitting or standing throughout the workday
• View computer screen, up to 90% of the time
• Use of telephone, up to 50% of the time
• Bend/stoop to lift up to 30 pounds, up to 5% of the time