Personal Banker - Newfoundland (Full-time)

About the Role

As a Personal Banker at Provident Bank, your primary role is to establish relationships with customers and prospective customers to understand, identify and satisfy their financial needs and to provide a positive customer experience while conducting transactions during every branch interaction. This is a dynamic position that performs both transaction and sales and service duties, with responsibilities varying day to day based on the needs of the branch office.

Responsibilities

• Respond to customer needs by processing a variety of financial transactions, including but not limited to opening accounts, cross-selling, tele-consulting, developing relationships through a book of business, servicing accounts, check cashing, withdrawals, deposits, and loan payments.
• Research and resolve account issues and/or inquiries.
• Promote organizational products and services by referring current or prospective customers to other departments within the organization.
• Meet sales expectations, including deposit, loan, and revenue goals, generating sales and referrals, and managing and balancing cash drawers.
• Assist the Assistant Branch Manager with daily branch responsibilities, end-of-day functions, and reporting according to branch tasks, policies, and procedures.
• Adhere to the Bank’s Code of Ethics, Core Values, and Mission Statement.

Sales

• Meet sales referrals and cross-selling goals by knowing the features and benefits of all products and services to satisfy customer needs.
• Promote bank products and resolve customer inquiries concerning accounts or other banking services.
• Actively refer customers for commercial products or services to branch manager, market manager, or appropriate business partner.
• Exceed customer expectations through active engagement, commitment, and dedication to servicing and building customer relationships.
• Advance the Bank's Corporate Sales Program through consultative needs assessments of customers, developing new relationships, expanding existing ones, and managing and growing a book-of-business.

Service

• Identify opportunities with customers and prospective customers through lobby management.
• Assist customers and prospective customers with digital technologies and provide referrals to other lines of business.
• Maintain cost efficiency to achieve branch goals; ensure quality of customer service and adherence to sales and brand standards.
• Execute expectations for a positive customer service experience.

Operations

• Ensure operational and financial safety and soundness in accordance with Bank’s policies, compliance, and applicable laws and regulations.
• Leverage lobby management as a tool for controlling and mitigating risk.
• Establish customer identity according to guidelines and adhere to all other compliance procedures.
• Assist branch management with branch operations as needed.
• Perform transactions including but not limited to check cashing, withdrawals, deposits, and loan payments.
• Prepare and/or complete Currency Transaction Reports and Suspicious Activity Forms (CTR/SAF) for appropriate transactions.
• Assist in training other branch employees.
• Provide support to the contact center during high call volumes.
• Handle customer inquiries by telephone.
• Provide access to safe deposit boxes.

Qualifications

Minimum Qualifications

• High school diploma or GED.
• Minimum of 6 months of sales and service experience in a customer-facing retail environment.
• Strong interpersonal skills, including listening, written, and verbal communication.
• Ability to work a flexible schedule based on the needs of the business.
• Positive and professional demeanor with all customers and co-workers.
• Strong math and analytical skills.
• Understand and adhere to safety and security practices.
• Demonstrate and apply good relationship-building skills.
• Proficient at establishing strong connections with customers and prospective customers through consultative conversations.
• Strong customer service/advocacy skills.
• Strong organizational and time management skills.
• Strong PC skills; ability to quickly learn various computer programs, including Microsoft Office.
• Required to register as a mortgage loan originator with the NMLS prior to being allowed to take mortgage loan applications, negotiate or extend terms of a mortgage or other loan secured by a residence.

Preferred Qualifications

• Prior retail banking experience.
• Life and Health Licenses to support investment program.

Working Conditions

• Work is mainly performed under general office conditions in a retail-banking establishment.
• Willing and able to work required overtime.
• Willing and able to travel to other locations/branches.
• Must be flexible and demonstrate the ability to adapt to new job locations and reassignments as directed.
• Lifting from 5 to 25 lbs. (coins).
• Prolonged sitting/standing.
• Occasional bending or stooping (to retrieve coins from individual vault).
• Work is performed in a normal office environment with moderate noise levels.
• May involve travel to customers and property locations.

Pay

$18.41 - $23.03 per hour. The base pay offered may vary based on skills, experience, job-related knowledge, education, geographic location, internal equity, and other applicable business and organizational needs. This role is incentive eligible based on company, business, and/or individual goal achievement and performance.

Benefits

• Paid time-off (PTO) and Holiday (PTO).
• Health and Wellness benefits including Medical, Dental, and Vision Plans.
• Flexible and Health Savings Accounts.
• 401(k) Retirement Plan.
• Disability Insurance.
• Employee Assistance Program.
• Basic Life Insurance.
• Company-sponsored Tuition Disbursement and Loan Repayment programs.
• Voluntary benefits including Supplemental Life Insurance, Accident, Critical Illness, Hospital Indemnity, and Legal plans.