Personal Banker

What You'll Be Doing

As a Personal Banker at Bank Iowa, you will be primarily responsible for opening new consumer and business accounts and originating consumer loans while ensuring a superior client experience for both retail and commercial clients. A Personal Banker provides personalized relationship-based banking services to current and prospective clients, promotes the bank and our services in the community and is accountable for individual business development activities and strategies that promote new business and build upon existing client relationships.

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 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 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.
• 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.

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.

What you'll love about us

Our team members love working here, and the prevailing reason is this: our people. In addition to the great team you will be a part of, here are some of the other reasons why our team members love working here:

• 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 for benefits-eligible team members. Our wellness initiatives promote positive change and allow our team members to think big.
• Blending work and life - As a people-centered organization, each team member is provided a generous PTO bank. 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 designed 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 as 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 22 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 presented annually, recognizes and celebrates team members who exemplified our values from the past year.

Our People-Centered Culture

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 and clients throughout Iowa who we serve in our 22 communities.

At Bank Iowa, we're proud to put people first, and we value our team members as much as our clients. We support team member development by focusing on their innate talents and developing those into areas of strength. We offer an environment where people care about each other like family. If you're looking for a career with colleagues who have the opportunity to bring their best, think big, and enable great things, Bank Iowa is the place for you.

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.