What are the responsibilities and job description for the Personal Banker position at Eco-Life Employment Group?
Primary Purpose: The ideal Personal Banker uncovers the financial needs of each customer and makes recommendations to address those needs. The Personal Banker performs customer services, such as opening new accounts, establishing direct deposit accounts, opening retirement accounts, assisting customers with queries concerning bank services, and provides basic cash receipt and payment services in accordance with Bank procedures. The Personal Banker is responsible for developing new business relationships and maintaining existing relationships. The Personal Banker assists Relationship Managers within retail bank locations in the preparation, set up and processing of consumer and commercial loans, and other various duties as assigned.
Principal Duties and Responsibilities:
- Supports the branch in achieving individual and team goals, while always acting in the customer’s best interest.
- Provides exceptional customer service to all customers while treating all customers and prospects in a fair and equitable manner.
- Maintains a strong working knowledge of bank products and services.
- Engages customers and prospects through the use of questions to discover financial needs.
- Presents and educates customers and prospects on the benefits of solutions offered, including digital services and other self-service options.
- Actively refers customers to appropriate specialists and other lines of business to fulfill specialized needs.
- Assists customers with routine inquiries regarding account balances and account information.
- Proactively seeks prospects for new business through outreach and follow-up.
- Assists customers by answering questions, researching transactions, etc., while maintaining compliance and policy standards.
- Represents the bank in community affairs and civic organizations.
- Performs additional duties as required.
- Regular and reliable attendance.
- Bilingual Preferred
- Opens new deposit accounts and performs maintenance as needed on existing deposit accounts including:
- Prepares account paperwork, receives new account deposits and ensures that all accounts are properly processed.
- Performs loan assistant functions including:
- Review loan documents for errors and compliance issues.
- Assemble loan packages.
- Perform loan closing on occasion.
- Remit Deeds, UCC’s, and titles for recording if applicable.
- Review and work loan exception reports.
- Prepare and process line of credit draws.
- Prepare and submit loan payments.
- Process payments for loan closing fees to third parties.
- Verify insurance policies on collateral.
Job Specifications:
- High school diploma or equivalent.
- Knowledge of loan policies and procedures (1 to 2 years of loan preparation and processing experience preferred)
- Successful completion of in-house training program or other approved training program.
- Prefer six month’s experience in the teller function, as well as sales experience, particularly in cross-marketing products and services.
- Excellent sales, interpersonal and communication skills.
- Above average computer and keyboard skills
- Good organizational skills.
- Ability to lift up to twenty-five (25) pounds.
This position requires S.A.F.E. registration at the time of employment. The Nationwide Mortgage Licensing System (NMLS) web site (mortgage.nationwidelicensingsystem.org) can provide information about the requirements for registration.
Disclaimer
The above information on this description has been designed to indicate the general nature and level of work performed by employees within this classification. It is not designed to contain or be interpreted as a comprehensive inventory of all duties, responsibilities, and qualifications required of employees assigned to this job.
EOE
The information on this description has been designed to indicate the general nature and level of work performed by employees within this classification. It is not designed to contain or be interpreted as a comprehensive inventory of all duties, responsibilities, and qualifications required of employees assigned to this job.