Personal Banker (Floating)

TITLE: RETAIL SUPPORT SPECIALIST III (FLOATING BANKER)

DEPARTMENT: FOLSOM BRANCH

REPORTS TO: BRANCH MANAGER

PAY SCALE: $22.00 - $29.00 PER HOUR

We are seeking a candidate who enjoys being of service to customers and possesses excellent communication skills with the ability to originate, evaluate, and process consumer loan applications, open new memberships, and complete detailed financial profiles for all member interactions, including follow up for our Retail Support Specialist III (Floating Banker) position housed at our Folsom branch. This position requires frequent and routine travel to multiple branch locations. Travel is considered an essential function of the role and may include same‑day travel, extended assignments at specific branches, and occasional participation in off‑site meetings or community events. This individual must have a valid driver's license and if hired, must be able to provide proof of insurance. An individual who derives satisfaction and accomplishment from building strong member relationships, identifies cross-sale opportunities, supports overall branch production and service goals would be successful in our environment.

The selected individual will be scheduled to work 37/40-hours a week:

Monday 8:45 am – 5:45 pm

Tuesday 8:45 am – 5:45 pm

Wednesday 8:45 am – 5:45 pm (Alternating off when schedule to work Saturday)

Thursday 8:45 am – 5:45 pm 

Friday 8:45 am – 5:45 pm or 9:15 am - 6:15 pm

Saturday 9:30 am - 2:30 pm (alternating off when scheduled to work Wednesday)

Sunday OFF

RESPONSIBILITIES INCLUDE:

• Open new accounts, including personal, minor, business, trust, and other specialty accounts, ensuring accuracy, compliance, and a seamless onboarding experience.

• Originate, evaluate, and process consumer loan applications, including auto, personal, credit card, secured/unsecured loans, and home equity products.

• Conduct needs-based member interviews through consultative conversations to assess financial goals, borrowing needs, and eligibility for credit union products and services. 

• Open IRAs and complete IRA maintenance such as withdrawals, rollovers, and transfers. 

• Able to process deceased account closures and Member Account Transfers.

• Analyze credit reports, income documentation, debt ratios, and collateral to determine creditworthiness and recommend appropriate lending solutions.

• Refer member’s mortgage and investment needs to the appropriate person/department.

• Mentor and train branch staff in loan and deposit products and services.

• Provide notary and medallion stamp service to members.

• Support branch operations by auditing new account packets, loan files, and daily work to ensure accuracy, completeness, and compliance with established policies and procedures.

• Generate loan and membership growth through outbound calling, member referrals, business development, and community engagement.

• Ability to perform essential travel requirements of the position, including frequent travel across assigned branch locations.

QUALIFICATIONS:

REQUIRED:

• High School Diploma or equivalent

• Two-to-four-year experience in a financial services , banking, credit union operations, or a similar member‑facing role.

• To perform all duties of a Financial Service Specialist 1 and 2

• Demonstrates experience in consumer lending, including loan interviewing, basic underwriting, and loan processing.

• Proven experience opening new accounts (personal, business, trust, and specialty accounts) with accuracy and compliance.

• Effectively reviews and analyzes account history to make informed risk-based decisions regarding check holds and transaction approvals to prevent losses.

• Provide guidance, support, and training to all Financial Service Specialists 

• Ability to perform essential travel requirements of the position, including frequent travel across assigned branch locations. Must have reliable transportation.

PREFERRED:

• Proficient knowledge of credit union or banking operations, regulatory requirements, and standard branch procedures.

• Prior experience in a Banker level role or a similar financial services position.

• Working knowledge of financial services products and basic lending practices is desired.

• Demonstrated sales ability in either a financial institution or retail store.

• Demonstrated computer skills and familiarity with software programs (Word, Excel, and core systems including Symitar, LoansPQ, Glide), or similar platforms.

• Certified to process Medallion Stamp Guarantee requests.

• Notary Certified and NMLS Licensed.

• Demonstrated inter-personal communication and member contact skills.

• Ability to de-escalate challenging situations professionally, showing empathy and emotional intelligence when assisting members, especially in sensitive or challenging situations.

• Exhibits high attention to detail and accuracy, with the ability to recognize issues quickly and apply effective problem-solving skills.

• Demonstrates effective verbal and written communication skills to engage members and collaborate effectively with team members across the branch network and other departments.

• Maintains good attendance record.

Our excellent benefits package includes medical, dental, vision, Paid Time Off, Paid Sick Leave, paid holidays, life insurance/AD&D, short-term and long-term disability, 401(k), and more for full-time employees.

It is Sacramento Credit Union’s policy to hire well-qualified people. An integral part of this policy is to provide equal employment opportunity for all persons and administer hiring, working conditions, benefits and privileges of employment, compensation, training, appointments for advancement, including layoffs and recalls for all employees, without discrimination because of veteran status or disability.

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