Personal Banker I

POSITION PURPOSE

Responsible for performing a broad variety of financial services such as opening and closing accounts, renewing time deposit accounts, and assisting clients with account inquiries, maintenance, and problem resolution. Also (in collaboration with the Teller Supervisor) responsible for developing, training, and motivating lobby employees so they can assist customers and effectively cross sell bank products and services. Has basic knowledge of simple deposit and loan products and services. Identifies sales and referral opportunities and strives to meet related goals.  

ESSENTIAL FUNCTIONS AND BASIC DUTIES

1.     Assumes responsibility for the effective and professional performance of financial service functions.

·         Presents and explains Bank products and services to clients and assists in meeting their financial needs including the following: opening, closing and maintaining checking, savings, time deposit, and individual retirement accounts as well as working with safe deposit boxes, savings bonds, credit cards and basic consumer loans.

·         Answers questions and solves problems for clients by listening, collecting data, and securing answers.

·         Profiles clients to identify sales opportunities.

·         Uses lead lists and other strategies to develop methods of generating additional business.

2.     Assumes responsibility for establishing and maintaining effective, professional business relations with clients.

·         Resolves client requests and questions promptly, courteously, and professionally.

·         Receives and processes new client accounts and changes to existing accounts such as names changes, address changes, product changes, and other account maintenance as requested.

·         Maintains privacy of customer account information.

·         Maintains and projects the Bank’s professional reputation.

3.     Assumes responsibility for establishing and maintaining effective coordination and working relationships with area personnel and with management.

·         Assists area personnel as required.

·         Keeps Banking Center Manager informed of area activities and significant problems.

·         Completes required reports and records accurately and promptly.

·         Attends meetings and training classes that may be held on weekdays, evenings, and/or Saturdays.

·         Oversee annual year-end reporting and special projects that pertain at the banking center level, such as key box audit or safe deposit box key audit.

·         Review new account and data entry, as needed, to ensure accuracy.

·         Supporting Treasury Management with new accounts and services for clients.

·         Ensuring daily logs are completed correctly as well as organizing logs at the end of the month for easy review.

4.     Assumes responsibility for related duties as required or assigned.

·         Actively and professionally sells Bank products and services. Responsible for meeting sales production goals.

·         Performs related clerical duties as needed.

·         Ensures that work areas are clean, secure, and well maintained.

PERFORMANCE MEASUREMENTS

1.     Financial service functions are efficiently, effectively, and accurately performed in accordance with established policies, standards, and security procedures.

2.     Good business relations exist with clients. Client problems and questions are courteously and promptly resolved.

3.     Good working relationships and coordination exist with area personnel and with management. Appropriate assistance is provided to area staff as needed. Supervisors are appropriately informed of area activities.

4.     Required reports and records are accurate, complete, and timely.

5.     Consistently strives to develop new client relationships as well as strengthen existing client relationships by identifying opportunities to sell Bank products and services and meet sales production goals.

6.     The Bank’s professional reputation is maintained and conveyed.

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QUALIFICATIONS

Education/Certification:  High school graduate or equivalent.

Required Knowledge:        Good understanding of financial services and products provided.

Experience Required:        General Customer Service experience required.

                        Personal Banker experience preferred.

Previous banking experience preferred 

Skills/Abilities:                  Excellent communication and public relations skills.

                                                Professional appearance and attitude.

                                                Ability to operate related computer applications and business equipment including 

                                                10-key and telephone.

                                                Solid math and bookkeeping abilities.

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PHYSICAL ACTIVITIES AND REQUIREMENTS OF THIS POSITION

Talking:                                 Especially where one must frequently convey detailed or important instructions or 

                                                ideas accurately, loudly, or quickly.

Average Hearing:               Able to hear average or normal conversations and receive ordinary information.

Finger Dexterity:               Using primarily just the fingers to make small movements such as typing, picking up small objects, or pinching fingers together.

Repetitive Motion:              Movements frequently and regularly required using the wrists, hands, and/or fingers.

Average Visual Abilities: Average, ordinary, visual acuity necessary to prepare or inspect documents or                                                       products, or operate machinery.

Physical Strength:            Sedentary work; sitting most of the time.  Exerts up to 50 lbs. of force occasionally.  

WORKING CONDITIONS           

None: No hazardous or significantly unpleasant conditions (such as in a typical office).                  

MENTAL ACTIVITIES AND REQUIREMENTS OF THIS POSITION

Reasoning Ability:              Ability to apply common sense understanding to carry out detailed but uninvolved 

                                                instructions and to deal with problems involving a few variables. 

Mathematics Ability:         Ability to perform basic math skills, use decimals to compute ratios and percents, 

                                                and to draw and interpret graphs.

Language Ability:               Ability to use passive vocabulary of 5,000-6,000 words; read at a slow rate; and 

                                                define unfamiliar words in dictionaries for meaning, spelling, and pronunciation.

                                                Ability to write complex sentences, using proper punctuation, and using adjectives 

                                                and adverbs.

                                                Ability to communicate in complex sentences, using normal word order with 

                                                present and past tenses and good vocabulary.