Personal Banker II

About the Role

Performs a broad variety of customer service and sales activities to promote long-term customer relationships. Assists customers with account problems and questions, including initiating and servicing deposit accounts and related services. Strengthens customer relationships through follow-up calls, customer profiling, and needs assessment. May supervise the department, participate in the branch loan committee, and serve as a consumer lender processing loan requests per bank policy and guidelines.

Responsibilities

• Assists customers in making product and service choices that best meet their needs, including account opening and closing for individual and commercial relationships.
• Proactively explores customer needs and recommends appropriate products and services.
• Provides leadership and guidance to department members in handling phone and in-person inquiries, customer research, fee refunds, safe deposit access, and deposit verifications.
• Conducts customer profiling at relationship inception to ensure effective product recommendations and follow-up activities.
• Provides interest rate quotes per the bank’s rate sheet, obtaining special quotes for jumbo deposits as needed.
• Accepts loan applications and conducts initial credit verifications and underwriting for Demand Deposit and other Consumer Loans, including ordering credit reports and providing payoff quotations.
• Requests and reviews loan documentation for initiation or modification of DDL, Consumer, and Fresh Start Loan accounts.
• Initiates and processes incoming/outgoing wires with necessary approvals.
• Maintains regular and reliable attendance, including flexible hours and weekends if required.
• Performs other duties or projects as assigned by the branch president.

Requirements

• Full knowledge of personal and business banking products, with initiative to stay updated on changes.
• Basic knowledge of banking regulations, bank policies, and procedures applicable to the role.
• Expertise in deposit account products and services to support consumer credit underwriting and loan approval.
• Demonstrated ability to supervise a department with emphasis on sales and customer service practices.
• Professional communication skills with clients and coworkers.
• Proficiency in operating computer terminals, printers, capture machines, coin machines, and copiers.
• Effective listening skills and ability to make appropriate referrals.
• Ability to maintain confidentiality and provide leadership in customer service, cash handling, and referrals.
• Ensures efficiency, accuracy, and customer service to meet bank goals.
• Ability to work accurately and efficiently in a fast-paced environment.
• Functions effectively as a team player.

Qualifications

• High school diploma or equivalent.
• Minimum of 36 months of prior banking experience.
• Prior supervisory experience or equivalent training preferred.

Physical Requirements

The role involves typical office and branch banking activities, including operating equipment and handling customer interactions. Specific physical demands are not detailed but align with standard banking environment expectations.