Personal Banker I

About the role

At F&M, our personal bankers do more than handle requests; they establish and nurture lasting relationships with our valued customers. We are industry leaders because people trust us to handle their financial transactions with the utmost care and attention to detail. To continue this tradition of superior service and accountability, we’re looking for a qualified personal banker to join our team.

The ideal candidate will be passionate about empowering customers to meet their financial goals and have a thorough understanding of the customer’s transaction requirements. Excellent communication is a critical trait necessary to educate customers and refer appropriate products and services matching their needs.

This position is the “Customer Ambassador” for the bank, providing exceptional service primarily through face-to-face interactions. A Personal Banker I will open deposit accounts and complete regular transactions, such as receiving and paying out money, while keeping accurate records of financial transactions.

Responsibilities

• Educate customers about the bank’s sales and service delivery options and refer appropriate products and services to match their needs.
• Effectively refer customers to the appropriate source or channel to address their needs.
• Prepare and compile new customer account information to open deposit accounts, including signature cards, new account sheets, check orders, direct deposit, and automatic bill pay.
• Handle all deposit products, including Certificate of Deposit opening, closing, deposits, partial withdrawals, IRA opening, distributions, and contributions.
• Refer and schedule appointments with Home Loan Originators and educate customers on various home loan products.
• Provide ongoing relationship servicing by informing and advising customers of account status or enhancements, resolving disputes, and suggesting additional products or services.
• Respond promptly to customer inquiries, resolve difficult transactions, and promote cross-selling of bank products and services, including FM Investments.
• Generate new business to meet profitability and production goals set by retail leadership.
• Answer telephone calls, take messages, provide information, and direct calls to appropriate staff.
• Greet bank visitors, provide information, and direct them to appropriate staff.
• Track, record, report, and store transactional information and special requests.
• Provide a high level of customer service with a focus on accuracy and efficiency.
• Comply with bank policy and regulatory requirements, including passing compliance tests.
• May also fulfill responsibilities outlined in the Teller Job Description.
• Identify customer needs, provide information on new products and services, and refer customers to branch representatives.
• Meet and exceed partner referrals and sales production goals.
• Open requested accounts in adherence to bank guidelines.

Requirements

• High school diploma.
• 2-4 years of retail banking experience preferred.
• Basic math and computer skills.
• Working knowledge of banking/financial products and services.
• Cash-handling experience.
• Excellent communication, customer service, and time-management skills.
• Ability to pass a background check.
• Strong dedication to accuracy and efficiency.

Qualifications

• Valid Driver’s License.
• Personal Banker Certificate (preferred).
• Notary Public Commission (preferred).

Compliance

This role includes accountabilities for following bank policies, procedures, and regulatory requirements involving federal and state laws, such as:

• Bank Secrecy Act (BSA), including accurate completion of Currency Transaction Reports (CTR) when applicable.
• Anti-Money Laundering Act (AML).
• Office of Foreign Asset Control (OFAC) and the USA PATRIOT Act.
• Customer Identification and Customer Due Diligence, including reporting suspicious activities to the BSA Department.

Schedule

This position is scheduled to work Monday – Saturday, generally with a day off. Occasional extended hours may be required to accommodate business flow. On occasion, an employee may be asked to report to another location to fulfill staffing needs.

Non-exempt/Hourly position.