What are the responsibilities and job description for the Personal Banker position at Community State Bank?
Personal Banker 2 - Job Description
The employment policy of the Bank provides equal opportunity to all persons. We support a diverse and inclusive work environment where colleagues are respected, treated fairly, and given equal opportunities to perform to their fullest potential. We believe it is only with a diverse and inclusive workplace that the organization can truly perform at its best, carry out its vision, and make a difference for the communities we serve.
NOTE: The information listed within this description summary is intended to indicate the general nature and level of work. It is not designed to contain or be interpreted as a comprehensive account of all the responsibilities, and/or minimum qualifications required of an employee assigned to this position.
Department: Retail
Operations Supervisor: Personal Banker 3
Reporting Supervisor: Branch Manager
Informs and sells Bank products to existing and potential customers on a daily basis. Perform all necessary functions to adequately service retail customers with the opening and ongoing maintenance of deposit accounts and loan products.
Essential Duties:
- Knowledge of all retail products and services.
- Retain and deepen existing customer relationships through a needs based selling approach of bank products, checking, savings, IRAs, certificates of deposit, and merchant services MasterCard/Visa in person and by telephone.
- Perform all necessary verifications and processes for account opening.
- Approve loans within specified limits (see lending limit attachment), and refer loan applications outside those limits to the proper officer.
- Manage customer contact during application, underwriting, approval/denial process.
- Analyze applicant’s financial status and credit to determine feasibility of granting a loan.
- Performs physical collateral inspections for loans.
- Prepare documents daily for bank products that customers have purchased and reviews those documents for accuracy to reflect correct customer information on Bankway(Deposits) and FLO(Loans).
- Coordinate loan closings, funding the borrower, and processing loan document packages to be sent to booking.
- Monitoring loan repayment activities and taking necessary action to collect from past-due accounts.
- Understands and effectively explains bank policies and regulations in order to obtain proper documentation for both loan and deposit accounts daily.
- Analyzes statement costs for customers and recommends ways customers can keep their service charges low to provide customer satisfaction.
- Provides back-up coverage for Safe Deposit Box.
- Communicates with departments about particular customers who we perceive as having additional business needs.
- Prepares and generates a monthly pipeline report of loans closed and being processed to be reviewed by the Board of Directors.
- Assist customers with creating and updating online banking accounts.
- Process online leads for new accounts and loans.
- Manage the Customer Care Console within online banking.
- Place phone calls to third party companies to assist customers with their credit accounts, insurance, fraud, direct deposits, and credit bureau report issues.
- Ensure high level of customer service by performing customer service maintenance.
- Prepares and generates a monthly pipeline report of loans closed and being processed to be reviewed by the Board of Directors.
- Performs notarial acts as needed.
- Assist the teller department when needed.
- Performs other duties as assigned.
Qualifications/Required Skills:
- A high school graduate, college degree or work experience equivalent.
- Well-developed customer and interpersonal skills.
- Ability to speak clearly, understandably, and listen to customers/prospective customers and co-workers.
- Ability to organize and prioritize tasks.
- Ability to question customers to determine their banking needs.
- Ability to sell Bank products including closing the sale.
- Knowledge of all Bank services and products, including those of our competition.
- Complete online courses as assigned for BSA, Lending, Deposit and cross-sell products.
- Must obtain an NMLA certification.
- Determine and, if needed, consult with supervisor on checks that may require a Regulation CC Hold.
- Making a lending decision fitting for CRA and Compliance accommodations.
- A higher level of decision making will be required in the supervisor’s absence with regard to approving checks, lending capabilities, and judgmental decisions within reason.
- Interpreting policies/procedures and making exceptions as required.
- Responsible for working with customer on a daily basis to obtain and retain customers of the bank.
- Be the go-to person in the branch office in the absence of a branch manager.
Working Conditions:
- Occasional travel may be required to attend seminars and meetings held at another location.
- On occasion, there will be meetings or training sessions that will require before or after work start time that is not regularly scheduled.
- 85% of working time will be spent in a sitting position at a desk.
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