About the position
As a Personal Banker IV, you will play a crucial role in helping clients achieve their financial well-being by fostering deep customer relationships and understanding their unique needs. This position requires you to utilize a guided conversation and sales process to proactively identify opportunities for new account openings and loan origination. You will be expected to work on-site, engaging with clients directly to provide tailored financial solutions that align with their goals. In this role, you will build, develop, and deepen customer relationships through active market business development. This involves employing needs-based questioning techniques to identify suitable deposit, credit, and investment solutions that can assist customers in reaching their financial objectives. You will also support the transactional needs of the banking center as needed, referring identified opportunities to the appropriate line of business. Meeting or exceeding individual sales and activity objectives is a key performance indicator for this position, measured through an individual scorecard. You will establish preset appointments to identify customer needs through in-person meetings, teleconsulting activities, and community involvement. Collaboration is essential in this role, as you will work closely with fellow teammates and customers. You will educate customers on various banking channels, including online and mobile banking, interactive tellers, and full-service ATMs, which enhance convenience and value for customers. Additionally, you will be responsible for originating new consumer and business depository accounts and executing a defined onboarding plan for new customers. This includes cash management solutions such as Treasury Management, Merchant Services, and ACH. Your responsibilities will also include exploring customers' financial needs and recommending other bank services, making quality referrals to appropriate business partners and team members. You will originate consumer lending applications, including home equity lending, and uncover small business opportunities to refer to the right partners. Compliance with all bank regulations is paramount, and you will need to stay current on changes to regulations that apply to your position. Furthermore, you will create a positive impact within the communities you serve by participating in Community Reinvestment Act (CRA) activities and financial literacy initiatives.
Responsibilities
- Build, develop and deepen customer relationships through active market business development.
- Support the transactional needs of the banking center and refer identified opportunities to the appropriate line of business.
- Meet or exceed individual sales and activity objectives, measured by an individual scorecard.
- Establish preset appointments to identify customer needs via in-person meetings, teleconsulting activities, and outbound community involvement.
- Educate customers on other bank channels including online and mobile banking, interactive tellers, and full-service ATMs.
- Originate new consumer and business depository accounts and execute a defined new customer onboarding plan.
- Originate cash management solutions such as Treasury Management, Merchant Services, and ACH.
- Explore the customer's financial needs and recommend other bank services, making referrals as appropriate.
- Originate consumer lending applications including home equity lending (NMLS registered).
- Uncover small business opportunities and make quality referrals to proper business partners and team members.
- Demonstrate compliance with all bank regulations that apply to your position and stay current on regulation changes.
- Create a positive impact within the communities served by investing time in CRA activities and financial literacy initiatives.
Requirements
- High school diploma or GED required.
- Bachelor's degree, Associates degree or equivalent work experience preferred.
- 3+ years of banking experience or demonstrated sales experience in business, retail or other industries preferred.
- 1 year of experience in developing current and new customer relationships, achieving sales goals and building referral sources in a retail environment preferred.
- 1 year cash handling experience in a banking or retail environment preferred.
- Foundational knowledge of sales and service techniques with consumers and small businesses in a structured, goal-based environment.
- Excellent written and verbal communication skills with the ability to solve problems and nurture client relationships.
Nice-to-haves
- Experience in a structured, goal-based sales environment.
- Familiarity with financial literacy initiatives and community engagement.
