Personal Banker

Position Summary

The Personal Banker is responsible for providing support and coverage to branch banking team members and building and maintaining relationships with members to help them achieve their financial goals. The role involves identifying financial needs, offering appropriate solutions, and achieving sales targets while promoting the credit union’s products and services.

Principle Duties And Responsibilities

• Willingness and ability to exhibit Wellby Core Values every day.
• Works purposefully and is driven to provide the best team member experience.
• Engages members as they enter the branch by welcoming and making them feel appreciated, including managing lobby traffic, checking members into the waiting queue, and scheduling/canceling appointments.
• Engages with Branch Partners and other lines of business to offer the most appropriate products.
• Identifies changes in members' financial situation and banking needs and recommends relevant solutions to enhance the member's financial goals.
• Recommends and assists members with convenient technology solutions including but not limited to Online Banking, mobile applications, etc.
• Achieves sales targets as required by management.
• Member Service functions: open new accounts, checking, certificates, money markets, IRA, CD, account maintenance, and outbound new deposits, etc.
• Specialized account functions: separation/divorce account changes, estate expertise, etc.
• Drives proactive sales conversations through internal and outbound interactions with a defined sales process, including outbound calling, service to sales, teller interactions, appointment setting, and effective lobby engagement.
• Loan origination functions: creating and processing a new loan application. This process includes gathering information from the borrower, assessing their creditworthiness, and determining the terms and conditions of the loan. This may include outbound loan win-back campaigns, etc.
• Provides timely responses to members and other team member requests.
• Accountable for the vault, dual-control access, and increased approval authority limits in coordination with leaders of branch locations.
• Maintains a work area that ensures the safety of all negotiables and confidential records.
• Orders a cash supply to meet daily needs.
• Adheres to all security policies for the branch, including the opening and closing procedures of the branch.
• Implements processes as required by the Bank Secrecy Act and Wellby policies and procedures, including but not limited to completing and submitting Currency Transaction Reports, being knowledgeable of signs of unusual financial activities, and reporting signs of unusual activity and/or completing reporting for Suspicious Activity Report as appropriate per procedure.
• Completes all mandatory compliance testing by deadlines.
• Implements processes as required by the Bank Secrecy Act and Wellby policies and procedures. May perform teller transaction functions as needed, including deposits, withdrawals, transfers, payments, etc., accurately, and efficiently while complying with all policies, procedures, and regulatory requirements.
• Performs other related duties as assigned.

Knowledge, Skills, And Abilities (KSA)

• Knowledge of Wellby’s organizational functions and general operating policies and procedures.
• Knowledge of basic math skills.
• Knowledgeable of bank security measures.
• Knowledge and ability to utilize processes, tools, and techniques to detect, address, and prevent fraud.
• Knowledge of business English, spelling, and punctuation.
• Knowledge of retail product philosophy, banking industry best practices, and regulations.
• Knowledge of personal computer, utilizing Microsoft Office Suite.
• Skilled in high-level member service practices.
• Skilled in operating computer equipment and general office machines such as personal computers, copiers, Microsoft Teams, Zoom Video Communications, and adding devices.
• Ability to recognize questionable and fraudulent transactions.
• Ability to learn new software.
• Ability to communicate information and ideas so others will understand.
• Must be able to exchange accurate information in these situations.
• Ability to be trustworthy and act with integrity.
• Ability to work in a fast-paced team environment.
• Ability to communicate clearly and concisely, orally and in writing.
• Ability to coordinate several concurrent activities simultaneously.

Physical Demands & Work Environment

• Daily movements include sitting, standing, reaching, and grasping; operating computers and other office equipment; moving about the branch; and attending possible onsite and offsite meetings.
• The ability to observe details at close range (within a few feet of the observer).
• Must be able to occasionally lift items weighing up to 25 pounds across the branch and load them onto shelves for various needs.
• The noise level in the work environment is usually moderate.
• Work involves the typical risks and discomforts associated with an office environment but is usually in an adequately cooled, heated, lighted, and ventilated area.

Work Hours

• To meet the department’s needs, overtime work is sometimes necessary, and team members may be required to work overtime hours as assigned.
• Shifts may be staggered (between 7:30 a.m. and 6:30 p.m. CST) and will include every Saturday.

Minimum Qualifications

• High School Diploma or equivalent required.
• Minimum two (2) years’ experience in member service, financial services, or similar retail experience and/or bank teller.
• IIRA and MOD experience preferred.
• Previous experience working with the public.
• Previous cash handling experience.

Bondable

• For All Candidates

Disclaimer

• The statements herein are intended to describe the general nature and level of work being performed by team members and are not to be construed as an exhaustive list of responsibilities, duties, and skills required of personnel so classified. Furthermore, they do not establish an employment contract and are subject to change at the discretion of the Company.