Personal Banker

Job Title

Delivers exceptional customer experience, builds relationships, and helps small business customers succeed financially. Engages customers to probe and understand their financial needs and present products, services and mobile options that align with those needs. Complies with Federal and state law policies and procedures.

Essential Functions

Provides excellent customer service and operational quality in support of established SBIC standards.

Achieves high-level professional standards with work processes and outcomes; completes servicing transactions accurately and efficiently, which may include, maintaining a cash drawer, cash handling and balancing. Monitors and checks work for precision, clarity, and completeness; produces quality results.

Manages and oversees branch customer accounts, including opening, closing, and monitoring of transactions.

Processes customers' deposits, withdrawals, cash advances, stop payments, blocks, wire transfers and any other transaction needed by the customer.

Develops strong knowledge of bank products and services; recommends bank services that align with customer needs and cross sells effectively.

Leverages tools and resources to ensure accurate and consistent information of bank products and services and connects those to customer needs.

Researches customer inquiries and ensures satisfactory resolution. Resolves technical and tactical issues related to account opening process, teller and customer service transactions.

Analyzes customer information to identify opportunities for growth and expansion of services and advises Branch management.

Assists management with planning and execution of visibility activities to achieve Branch business targets, including sales/marketing and advertising campaigns.

Conducts follow-up calls for assessing customer service and for growing customer portfolio.

Sets up and attends customer appointments relating to assistance with new and existing accounts.

Maintains records/ log for various follow up calls/ lead generation etc. as applicable.

Supports Bank compliance efforts by completing compliance and other technical training workshops as assigned. Ensures compliance with all Bank policies and procedures, as well as applicable state and federal banking regulations including but not limited to: BSA and OFAC requirements, Regulation E, Regulation GG, and ACH Rules.

Performs duties to ensure proper identification and information gathering of all parties subject to SBIC's Customer Information Program (CIP) and Customer Due Diligence Programs.

Reviews reports to detect Suspicious Activity and files required reports to the BSA Officer or designee as found.

Adheres to Bank policies and procedures and complies with all United States Federal and State Regulations including the Bank Secrecy Act, Anti-Money Laundering Act, Elder Abuse Law, USA PATRIOT Act, and OFAC laws and their implementing regulations. Complies with Wage and Hour regulations, including but not limited to taking meal and rest periods timely, recording time accurately, and reviewing/approving timecard.

Regular and punctual attendance is required.

Requirements

High School diploma or equivalent.

Minimum 2 years of Branch Banking Experience and/or Training. Equivalent combination of education and experience.

Skills and Knowledge

Experience working in a high-volume cash handling environment, sales, marketing or business development or equivalent combination of education and experience. Knowledge of Federal Banking regulations pertaining to customer accounts. Experience with FIS core banking applications or other banking software.

Excellent verbal and written communication skills.

Must have excellent customer service skills and be able to work well independently and in teams.

Must be well organized and self-driven to meet deadlines.