Personal Banker

Job Purpose
Develop and open new consumer and business accounts, originate consumer loans and provide superior client experience for both retail and commercial clients. Promote the bank and its services in our communities. Accountable for individual business development activities and strategies that promotes new business and build upon existing client relationships. Provides personalized relationship-based banking services to current and prospective clients.
Essential Functions
Core Responsibilities

• Promotes and originates loans, new accounts and bank services for both retail and commercial clients.
• Prospects new clients by making outbound calls to solicit new business and promote brand awareness.
• Prospects new and existing clients to identify their financial goals and ways of reaching those goals.
• Provides a superior client experience to all clients of the bank.
• Resolves client questions and concerns with appropriate actions.
• Attains individual performance goals for loan volume, deposit growth, referrals, and client experience performance.
• Analyzes credit and financial information for processing of loans and other bank products for clients to ensure applicable lending policies and procedures are followed. Responsible for adherence to compliance regulations.
• Completes documents for opening checking and savings accounts, certificates of deposit, Individual Retirement Accounts, safe deposit boxes, and debit and ATM cards.
• Utilizes relationship tracking tools and participates in weekly activity meetings and team huddles.
• Collects past due loans and tracks delinquencies.
• Processes overdraft and returns items according to bank procedures.
• Orders credit reports, background checks, reference checks, and other information as needed.
• Promotes and participates in the bank's special credit programs and other CRA programs.
• May open and close office by following established security procedures.
• Provides back up support to teller line and reception areas as needed.
• May be required to be on call to answer ATM servicing calls or security alarms at night and on weekends.
• Follows up on referrals from other bank personnel to generate new business.

General Responsibilities

• Protects the privacy and confidentiality of clients and team members.
• Understands and complies with banking regulations by following bank policies and procedures. Stays abreast of relevant regulations, current industry matters, and any changes implemented internally to ensure compliance.
• Represents the bank in community events to promote awareness of Bank Iowa.
• Actively participates in local community events and promotes business development.
• Provides and maintains a professional, business-like atmosphere within the office.
• Partners with all business lines to ensure full line of product and services are available to clients and that team members are educated on referring them.
• Actively participates in marketing campaigns, business development activities, and team activity meetings.
• Provides back up support in the absence of the branch manager to ensure adequate coverage, efficient experience, and smoother branch operations.

Requirements
Required Education & Experience

• Bachelor's degree or equivalent experience.
• 1 to 2 years' work experience in a financial institution or loan office setting preferred.

Additional Qualifications Include

• Ability to exhibit our values; Think Big, Be People-Centered, Enable Great Things, and Bring your Best.
• Strong communication skills and conflict aversion skills.
• Ability to work with others, such as co-workers, leaders, or clients.
• Proficient in technology and services, such as Microsoft Access, Microsoft Excel, Microsoft Outlook, Microsoft PowerPoint, and Microsoft Word; on the job, will be using but not limited to: alarm systems, accounting machines, coin machines, copy machines, fax machines, and phones.
• Ability to bend, stoop, stand, sit, walk, or use hands repetitively or for prolonged amounts of time.
• Lifting (up to 20 pounds occasionally and up to 10 pounds frequently).
• Critical thinking and exemplary judgment and decision-making.
• Social perceptiveness and active listening.
• Mathematical, problem-solving and time management skills.
• Willingness to learn and take on various tasks assigned by the leader.
• Friendly delivery of client experience.
• Ability to register and obtain a unique identifier number from the Nationwide Mortgage Licensing System as a Mortgage Loan originator as well as keep the license in force by submitting updates when person information changes and to complete the annual renewal of the license.

Hours of Work & Travel

• Full time, regular employment
• Days and hours of operation vary with each Bank Iowa location. May work weekends.
• No travel is required for this job.

About Bank Iowa
At Bank Iowa our purpose is to Empower People, Inspire Success and Foster Growth. Bank Iowa is one of the leading independent Ag banks and the second-largest family-owned bank in the state of Iowa. Our bank family consists of team members, families, businesses, and farmers throughout Iowa who we serve in our 26 locations. With an ongoing commitment to community banking Bank Iowa aspires to be the bank of choice for our clients, the career of choice for our team members, a center of influence in our communities, and a point of pride for our family owners.
While our purpose is our "why" behind all that we do, our values allow us to fulfill our purpose. At Bank Iowa we strive to Be People-Centered in everything we do. We encourage our team members to Think Big beyond the immediate answer to be creative and innovative. Team members throughout Bank Iowa Enable Great Things by taking ownership and going above and beyond. Last, we inspire all team members to Bring Your Best each and every day.
What we Offer

• A competitive financial package we want you to bring your best so in addition to your compensation, every team member receives a bonus opportunity, a generous 401k match, and discretionary profit sharing.
• Robust benefits and wellness - we are proud to offer health, dental and vision insurance as well as a wellness program designed to help drive down your premiums. Our wellness initiatives promote positive change and allows our team members to think big.
• Blending work and life - As a people-centered organization, each team member is provided a generous PTO bank. In addition to the generous PTO plan provided to each team member based on years of service and work status, Bank Iowa team members receive 11 paid observed holidays, 100% paid parental leave, an opportunity for sabbatical leave, generous bereavement, and an employee assistance program to support team members throughout various stages in their lives.
• Continued learning opportunities - Bank Iowa enables great things and supports team member development at every stage of your career. Our development approach focuses on your innate talents and developing those into areas of strengths. Learning experiences are available in formal & informal training settings, as well, on-the-job training. Development programs are available in-person and online. Our tuition reimbursement program is available to support formal education programs.
• Community Involvement - Our team members are active members of their communities and people-centered. Bank Iowa aspires to be a center of influence in each of the 24 communities we are located in. In addition to company-sponsored volunteer opportunities, we offer paid volunteer time off (VTO), which allows team members to give their time to organizations they care about, without having to use PTO.
• Recognition - Bank Iowa is proud of our team members who "Live our Values". Our peer nominated recognition program presents team members who Live our Values on an annual basis.

Bank Iowa is an equal opportunity employer with a passion for creating an inclusive environment where all people are truly welcomed, valued and respected - for all of who they are - regardless of differences. All applicants will be considered for employment without regard to age, race, color, sex, pregnancy, sexual orientation, gender identity, military service, national origin, religion, physical or mental disability, genetic information, or any other classifications protected by applicable federal, state or local laws.