Personal Banker
American National Bank of Minnesota
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
Vacancy posted 24 days ago
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