Personal Banker I

GENERAL SUMMARY In compliance with established policies and procedures, performs a broad variety of customer service and sales activities that promote long-term customer relationships. Assists customers with account problems and questions. Duties include initiating and servicing deposit accounts and related services, securing and strengthening customer relationships on an ongoing basis through follow-up calls, customer profiling activities, and review of customer needs. Responsible for closing deposit accounts as needed. Serves as a consumer lender trainee in processing loan requests per the bank's policy and guidelines. Individual lending limitations and authority will be granted and updated over time based upon the incumbent's demonstrated ability and level of lending experience. COMPENSATION $27 – $30 per hour. APPLY ONLINE Apply online: RESPONSIBILITIES AND DUTIES Assists customers in making product and service choices that best meet their needs, and conducts subsequent required duties related to the proper account opening and closing for both individual and commercial account relationships. Be proactive in exploring customer needs and making appropriate recommendations of available products and services in a professional manner. Performs customer service duties as directed by the incumbent's supervisor, including answering phone and in-person customer inquiries, conducting customer research, processing approved refunds of service charges or fees, placing check orders for customers as requested, assisting in appropriate customer access to established safe deposit, and processing deposit verifications for credit purposes. Performs appropriate customer profiling at the time the relationship is first established to ensure that immediate product and service suggestions are effective and that subsequent follow-up activities can be done with adequate information to meet the bank's goals. Provides interest-rate quotes to customers per the bank's established rate sheet, obtaining individual rate quotes from appropriate bank personnel as needed for jumbo deposit relationships. Accepts applications and conducts initial credit verifications and underwriting requirements as necessary for demand deposit and other consumer loans, including ordering credit reports and providing customers with loan payoff quotations. Requests and reviews loan documentation related to the initiation and/or modification of DDL, consumer and fresh-start loan accounts. Initiates and processes incoming/outgoing wires, obtaining all necessary approvals. Performs any other duties or projects as assigned by the supervisor. Maintains regular and reliable attendance and works flexible hours, including weekends if the branch is open on weekends. KNOWLEDGE, SKILL, AND ABILITIES Full knowledge of personal and business banking products offered; takes a personal initiative to stay updated on any changes. Basic knowledge of all banking regulations applicable to the job function and of all bank policies and procedures. Knowledge of general banking principles and a willingness to participate in educational opportunities. Excellent communication skills with clients and coworkers in a courteous and professional manner. Proficiency in operating computer terminals, printers, back-counter capture machines, coin machines, and copiers. Strong listening skills and ability to make appropriate referrals. Maintains a high level of confidentiality. Provides leadership and guidance to subordinate department members in phone and in-person inquiries, customer research, cash and check handling, and effective customer referrals. Ensures appropriate efficiency, accuracy, and customer service to meet the bank's customer-needs goals. Demonstrates accuracy and efficiency in a fast-paced environment. Functions as a team player. EDUCATION AND EXPERIENCE High school graduate or equivalent. A minimum of 24 months of prior banking experience is generally expected. BENEFITS Benefits for employees working at least 35 hours per week include 8 paid holidays; 17 PTO days each year for the first five years of employment (employees must complete a 90-day introductory period prior to accruing PTO); 16 hours of paid sick time upon hire date; health, dental, prescription drug card, vision, and voluntary life insurance plans; health savings account with employer contributions; flexible medical and dependent care spending plans; 401(k) plan after 3 months and start of next quarter with employer contributions and profit sharing; $50,000 group term life insurance; long-term disability insurance and employee assistance program. If working less than 35 hours per week, above benefits are modified. #J-18808-Ljbffr