Personal Banker I

About the role

The Personal Banker I is responsible for ensuring the customer’s needs are achieved by conducting a thorough financial needs assessment and recommending the most appropriate products and services. Under direct supervision, the Personal Banker I will generate leads, build new and maintain existing customer relationships, resulting in outcomes that define great customer experience. This role delivers clarity to customers through simplicity, guidance, and know-how, both at the service window and through needs assessment and sales.

Responsibilities

• Coordinate both Personal Banker and Service Representative functions to deliver efficient, accurate, and professional service.
• Provide transactional support to the Service Area (Tellers) and dual control functionality as applicable (75% of the role).
• Open all types of personal and business accounts and prepare related documentation (25% of the role).
• Input and close personal loan applications, including DDA lines of credit and credit card applications.
• Assist customers with requests, complaints, research, and follow-up on details related to:
  • Deposit accounts
  • Debit and credit cards
  • Safe deposit boxes
  • Official checks
  • Any other bank product or service
• Process non-post reports, wire transfers, credit card orders, address changes, check and deposit slip orders, endorsement stamp orders, and other related branch reporting.
• Be familiar with all security procedures of the branch, including opening and closing, personnel safety, and bank procedures.
• Interface with customers via telephone or in person.
• Support multiple branch locations as needed.
• Generate and maintain profitable customer relationships while exceeding customer financial needs and expectations.
• Achieve activity and growth goals, as well as customer satisfaction objectives.
• Engage in outbound calling and needs assessment to generate qualified referrals for alternative products, channels, and other lines of business.
• Meet or exceed all established activity goals (e.g., face-to-face appointments, voice-to-voice calls) to drive sales and referral results.
• Apply basic sales skills and product knowledge, including deposit and loan products.
• Adhere to all operational, regulatory, and security requirements while minimizing losses.
• Follow regulatory and compliance criteria for opening deposit accounts and loan applications.
• Maintain 100% adherence to branch internal policies and procedures to ensure audit compliance.
• Complete annual compliance courses.
• Adhere to corporate policies, federal and state regulations, including the Bank Secrecy Act and Anti-Money Laundering Act.
• Perform other duties as required.

Qualifications

• High school diploma or GED; equivalent combination of education and experience may substitute.
• 1 to 3 years of banking experience or previous experience as a Teller or in a customer contact/sales position.
• Intermediate knowledge of bank operations, products, services, and related state and federal laws and regulations.
• Excellent organizational and time management skills with the ability to work with minimal supervision.
• Intermediate computer skills, including operation of mainframe systems, word processing, spreadsheets, and specialty software programs.
• Exceptional verbal, written, and interpersonal communication skills.

Skills

• Learning, thinking, and concentration abilities.
• Ability to exercise self-control and work in a customer relations environment.
• Attention to detail and ability to work as part of a team.
• Effective interaction with co-workers and customers, including diplomacy and discretion in customer and employee relations.

Physical Demands

• Vision, hearing, speech, and dexterity.
• Valid driver’s license required.
• Ability to stand, walk, sit, and use hands and fingers.
• Ability to work the hours and days required to complete essential functions.
• Professional office environment with standard office equipment.