Personal Banker (Full Time) - Wharton

Personal Banker

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 associates so they can assist customers and effectively cross sell bank products and services. Has extensive knowledge of all 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.

The above statements describe the general nature and level of work only. They are not an exhaustive list of all required responsibilities, duties, and skills. Other duties may be added, or this job description amended at any time.

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.

Qualifications

Education/Certification:

High school graduate or equivalent.

Required Knowledge:

Good understanding of financial services and products provided.

Experience Required:

Zero up to 3 years of New Account experience

Requirements:

Complete Personal Banker Mentor Program or Personal Banker Learning Plan, Teller Learning Plan, if applicable. Understanding the Caller Identification Process and Secure code training offered by Training Department.

BPM Training, I, II, III and IV.

Understanding when to use DocuSign Training DocuSign forms and templates.

Open Consumer Checking and Savings Accounts

Open Commercial Checking and Saving Accounts

Issue Debit Cards

Complete requested customer file maintenance

Clear DDA exceptions clear timely

Input debit card disputes

Offer bank products to customers cross sell Credit Cards

Check orders Harland check order training

Wire transfers domestic introduction to wires and domestic wire training

Denial exceptions clear timely

Missing signature cards clear timely

Identify fraud situations Risk Management I, II and III

Assist on teller line, if applicable

Close accounts

Service charge waivers needing approval weekly report

Additional duties as assigned by Banking Center Manager

Online banking

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.

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 10 to 25 lbs. of force occasionally.

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, percentages,

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.

Monday - Thursday: 7:45 AM - 5:45 PM // Friday: 7:45 AM - 6:15 PM // Saturday: 7:45 AM - 12:45 PM. 40 hours per week.