Personal Banker

The Personal Banker is a relationship building and service position with the primary goal to help customers by discovering financial needs, problem resolution, and processing transactions. You’ll acquire, manage, and retain meaningful relationships with our customers, using your financial knowledge to offer solutions to address their financial needs, contributing to the success of the branch and Bank.

Classification

Full-Time

FLSA Status

Non-Exempt

Department

Branch Operations

STATEMENT OF EXPECTATIONS

Community Bank expects all employees to comply with the responsibilities of their assigned position to the highest degree of performance by:

• Adhering to the Company’s policies and supporting Management decisions and goals in a positive, professional, manner.
• Representing Community Bank with a high level of integrity and professionalism.
• Maintaining knowledge and understanding of banking rules, regulations, laws, and all policies and procedures pertaining to them including, but not limited to, the Bank Secrecy Act.
• Demonstrating a willingness to adapt to changing business needs and deadlines.
• Possessing a work ethic that includes neatness and punctuality.
• Exhibiting a professional, business-like appearance, and demeanor.
• Treating all individuals and groups with respect and dignity.
• Performing the essential functions of their job safely, without endangering the health and safety of themselves or others.

Essential Functions

• Build, develop and deepen customer relationships through needs-based questioning to identify deposit and credit solutions to help customers achieve their financial goals.
• Make personal connections, engage and educate customers, ask open-ended questions and listen to establish trust and build lasting relationships.
• Possess initiative, and the knowledge to provide financial options for customers using a consultative approach.
• Accurately and succinctly review deposit and consumer loan disclosures with customers answering any questions they may have.
• Maintain deposit and consumer loan product and service knowledge completing all new and existing customer requests accurately in an efficient and timely manner.
• Keep up to date with current fraud trends and scams and be able to have conversations with customers to protect them and the Bank from losses.
• Develop strategies to have difficult conversations with customers when necessary with the goal of a positive outcome. Escalate to your supervisor when appropriate.
• Source, originate and process simple to complex consumer loans.
• Represent the Bank by being involved in community events, participating in Teach Children to Save, and other service club or organizational events while ensuring the branch is adequately staffed.
• Responsible for: completing timecard each day worked; communicating leave requests or timecard corrections to supervisor as needed.
• Maintain positive internal business relationships.
• Provide superior customer service.

ENVIRONMENT AND INTERACTION

Work areas are inside, in a climate-controlled environment, with moderate background noise. Position may involve occasional travel to branch locations. Position may involve exposure to potentially hazardous conditions (e.g., robbery).

• Reports To: Branch Manager or Customer Service Manager if applicable to branch setting.

MATERIAL AND EQUIPMENT USED:

Computer, Fax Machine, Copier, Voicemail, Typewriter, Automobile, Printer, Telephone, Email, General Office Supplies, Scanner, Ten-Key

PHYSICAL ACTIVITIES REQUIRED TO PERFORM ESSENTIAL FUNCTIONS

• Sitting/Mobility: Approximately 75% of time is spent working at a desk. Balance of time (approximately 25%) is spent moving around work areas.
• Communication: Ability to effectively communicate with co-workers, clients and outside agencies in writing, in person and over the phone.
• Vision: Ability to effectively use a computer screen and interpret printed materials, memos and other appropriate paperwork.
• Lifting/Carrying: Ability to transport files and supplies (up to 25 pounds).
• Stooping/Kneeling: Ability to access files and stock supplies.
• Reaching/Handling: Ability to input information into computer systems and retrieve and work with appropriate paperwork, equipment, and supplies.

Proficiencies

• Good written and oral communication skills; ability to communicate effectively and project a professional image when giving and taking information in writing, in person and over the phone.
• Basic word processing and computer database skills.
• Ability to learn and navigate computer systems and websites necessary to complete job description and other duties as assigned.
• Effective interpersonal skills with the ability to work with individuals and groups at all organization levels; ability to work independently and as part of a team.
• Ability to take initiative and prioritize tasks; good time-management, organizational, problem-prevention and problem-solving skills.
• Knowledge and understanding of banking rules, regulations, laws and all policies and procedures pertaining to them including but not limited to the Bank Secrecy Act.
• Ability to work accurately with close attention to detail.
• Ability to maintain confidentiality of sensitive information.
• Ability to study and apply new information.
• Ability to learn products, services and procedures quickly and accurately; explain concepts clearly to customers.
• Ability to establish credibility and rapport, be friendly and personable and look for ways to benefit the customer,
• Excellent customer contact skills; comfortable asking questions/interviewing customers about their financial situation; strong listening skills.
• Understands how to present features and benefits of products and services to customers needs.
• Must be self motivated, assertive, and perform well in a team environment.
• Must be organized and maintain a positive demeanor in all situations.

EDUCATION AND EXPERIENCE

• High school diploma or GED.
• Possess a valid driver’s license.
• Must be bondable.
• NMLS registration preferred.