Personal Banker

Personal Banker

Carmel, IN

$18-$22/hr - depending on experience

First Farmers Bank & Trust has been proudly serving families, farms, and businesses since 1885, building relationships rooted in trust and community. With over 140 years of experience, we've grown to become one of the largest community banks in Indiana and Illinois, offering a full range of financial services—from personal and business banking to agricultural lending and mortgage solutions.

Our mission is simple: deliver personalized financial services while fostering strong relationships that help our communities thrive. We believe in combining today's digital banking convenience with the traditional values of integrity, perseverance, and customer care.

With 37 branches in Indiana and Illinois, we remain deeply committed to the communities we serve. Through initiatives like financial education programs, scholarships, volunteerism, and local partnerships, we invest in what matters most—people.

At First Farmers, we also invest in our employees. We offer competitive benefits, opportunities for professional growth, and a culture that values collaboration and community engagement. When you join our team, you're not just starting a job—you're joining a company built on heart and grit.

Position Summary:

The Personal Banker is cross trained in all aspects of retail banking in order to provide the best customer experience in every interaction. This position is responsible for understanding all aspects of a client's banking needs. They are responsible for understanding branch operations as well as educating clients, retaining, and deepening customer relationships by offering value-added products and services as applicable. This position will process client transactions, open new accounts, and take/close loan applications.

Customer Service and Education:

• Educate new existing customers about features and benefits of bank products and services
• Proactively refer customers to appropriate personnel
• Expand and retain bank customer relationships while growing new relationships from prospective customers
• Open all consumer and commercial deposit accounts while looking for opportunities to cross-solve potential financial needs
• Follow-up with all new accounts utilizing the 2-2-2 process
• Conduct financial consultations with customers and take applications for all consumer loans including home equity line of credit applications

Branch Operations:

• Process customer transactions, such as cashing checks, handling deposits, withdrawals, and cashier's checks, cash advances, property taxes, and wire transfers
• Balance cash within teller drawer daily
• Comply with BSA/AML/OFAC regulations and guidelines while identifying and reporting any type of suspicious activity or clients to management and/or the Security Department
• Process/Order checks and all related products for customers
• Assist in verifying currency shipments, drop-off and night drop deposits, balancing the cash machines, and branch vault
• Engage in personal development activities such as online learning and internal/external training to assist in career growth
• The position responsibilities outlined above are not meant to be construed as all encompassing. Other duties, responsibilities and qualifications may be required and/or assigned as necessary

Requirements

Minimum Qualifications

• This position requires a high school diploma

Preferred Qualification

• Prior banking or customer service experience
• Prior experience in cash handling

Skills

• Strong cash handling abilities, knowledge of appropriate government regulations, comprehensive knowledge of bank products, and operations
• Must have excellent communication and listening skills, a strong commitment to providing quality service, and attention to detail
• Requires dedication to customer service, by responding in a professional manner to customer questions and problems
• Must have the ability to maintain confidentiality in daily operations and interactions with customers and work effectively in a team setting

Work Environment

• Primarily office or branch-based environment with standard business hours. Occasional travel to other branch locations or community events may be required
• Daily extended use of banking software, secure digital platforms, and standard office equipment
• Repetitive hand and arm movements
• Ability to sit or stand for extended periods of time
• Ability to lift up to 55 pounds as needed
• Moderate business traveling

Benefits Overview:

At First Farmers Bank & Trust, we offer a comprehensive benefits package designed to support your health, financial well-being, and work-life balance:

Health & Wellness

• Medical Insurance (eligible on date of hire) with options for High Deductible Health Plan (HDHP) and Co-Pay Plan
• Vision Coverage
• Dental Coverage
• Prescription Plan
• Wellness Incentive – earn up to $25 per pay period toward premium reduction

Financial Security

• Life & Accidental Death & Dismemberment Insurance – 100% employer-paid
• Short & Long-Term Disability Insurance – 100% employer-paid
• 401(k) Plan
• Profit Sharing Stock Option
• Health Savings Account (HSA) contributions for HDHP participants

Paid Time Off

• Vacation time
• Sick Time
• Personal Day
• 11 Paid Holidays
• Paid Bereavement

Additional Benefits

• Paid time to volunteer (when representing FFBT and supervisor approved)
• Voluntary Donated PTO Program
• Employee Assistance Program
• Travel Assistance Program
• Educational Assistance Program
• Corporate Discounts
• Employee Referral Program
• Stock Purchase Loan Option
• Retirement Plan Counseling
• Wellness Program
• Gym Reimbursement
• Employee Quarterly Recognition Program
• AFLAC supplemental benefits
• Cincinnati Life supplemental coverage
• Family Medical Leave
• Paid Bereavement Leave
• Maternity Leave Policy