Personal Banker

About the position

Personal bankers are responsible for providing exceptional customer service while assisting customers through the account opening process. They assist customers in selecting various accounts and banking services that fit their financial needs, establish banking relationships, and maintain thorough knowledge of all bank products and services. Personal bankers open, maintain, and close customer accounts, provide additional products, actively look for sales opportunities, and make referrals to other areas within the bank. They also assist with consumer loan applications, safety deposit boxes, wire requests, transaction disputes, and maintain confidentiality with customer information. The role requires teamwork and compliance with company policies and regulations.

Responsibilities

• Assists customers in their selection of various accounts and banking services that will fit their financial needs.
• Establishes the banking relationship with all customers through providing high quality customer service and building rapport.
• Maintains a thorough knowledge of all bank products and services to effectively assist customers in the account selection process.
• Opens, maintains and closes customer accounts including checking, savings, money markets, certificates of deposit and IRAs.
• Provides additional products such as ATM/Debit Cards, ordering checks, Safe Deposit Boxes and online banking accounts.
• Actively looks for sales opportunities and cross-sells bank products and services.
• Makes referrals to other areas within the bank, such as mortgage, commercial loans, cash management services and merchant services.
• Accepts consumer loan applications and prepares loan closing packages.
• Assists customers in accessing safety deposit boxes.
• Completes outgoing wire requests.
• Assists with ATM/Debit Card and ACH transaction disputes.
• Inputs stop payment requests.
• Sets up AFT/Sweep transactions between customer accounts.
• Assists customers with resolving problems or issues that may arise.
• Maintains the highest level of confidentiality with all customer information.
• Represents the Bank in a manner that maintains and expands positive relations with all customers, potential customers and co-workers.
• Performs as a team member in allocating and coordinating the work flow.
• Contributes to the fulfillment of branch and company objectives and goals.
• Complies with all company policies, procedures and regulations.

Requirements

• High school diploma or general education degree (GED) required.
• Two or more years of banking experience preferred.
• Excellent customer service skills, attentiveness, information retention, tact and diplomacy.
• Mathematical skills.
• Strong communication & organizational skills.
• Detail oriented, high degree of accuracy.
• Competence with computers, telephone, 10-key calculator and other office machinery.
• Ability to work in a fast-paced environment & under pressure.
• Ability to make sound decisions regarding customer transactions.
• Familiar with retail banking regulations and personal banker roles and responsibilities.