Personal Banker

Job Description

Job Description

Job Title: Personal Banker

Employment Type: Full-Time

Job Summary

American National Bank of Minnesota is seeking a customer-centric Personal Banker to join our St. Cloud team. In this role, you will be the face of our branch, handling everything from daily transaction processing to high-level treasury management support and consumer lending. You will play a vital role in building lasting relationships with our retail neighbors and large commercial clients alike.

The ideal candidate thrives in a collaborative environment and takes pride in delivering the personalized service that sets community banking apart.

Core Responsibilities

1. New Accounts & Relationship Management

• Open and maintain retail and commercial deposit accounts using the Fiserv core system.
• Recommend appropriate products and services.
• Resolve customer inquiries, errors, and account discrepancies efficiently and politely.

2. Commercial Customer Support

• Act as a key point of contact for large commercial clients utilizing cash management tools.
• Consult with commercial clients to identify needs and introduce business services such as ACH and Remote Deposit Capture (RDC).

3. Teller Functions

• Process routine transactions (deposits, withdrawals, loan payments) accurately utilizing Fiserv teller modules.
• Accurately handle and maintain an individual teller drawer within established cash limits.
• Balance cash drawer daily and adhere strictly to all internal audit and security procedures.

4. Consumer Lending

• Identify consumer loan opportunities (auto, personal, home equity) through daily customer interactions.
• Interview applicants, collect financial data, and assist in navigating the loan application process.
• Route completed applications to underwriting and follow up to ensure a smooth closing process.

5. Compliance & Security

• Maintain strict adherence to all banking regulations (BSA, AML, KYC, Reg CC, Reg E, etc.).
• Complete all mandatory annual compliance training.
• Protect customer confidentiality and secure bank assets at all times.

Required Qualifications & Skills

• Experience: 2+ years of retail banking experience, preferably within a community bank setting.
• Skills: Demonstrated experience managing a cash drawer and opening complex new accounts.
• Lending Knowledge: Basic understanding of consumer credit and lending processes.
• Communication: Exceptional verbal and written communication skills with a strong professional demeanor.
• Education: Bachelor’s degree preferred.

Benefits:

• 401(k)
• 401(k) matching
• Dental insurance
• Flexible spending account
• Health insurance
• Health savings account
• Life insurance
• Paid time off

Work Location: In person