A Personal Banker works for a bank to sell bank services to individual clients. Promotes different account options, loans or other services to customers that have assets or deposits in that bank.
SUMMARY Performs a variety of functions for deposit and loan customers. Strives to retain present customers and develop new business by extending professional and efficient service. Suggests additional services and products to meet customer needs. Adheres to all compliance and security procedures.
ESSENTIAL DUTIES AND RESPONSIBILITIES
The following reflects management's definition of essential functions for this job but does not restrict the tasks that may be assigned. Management may assign or reassign duties and responsibilities to this job at any time due to reasonable accommodation or for other reasons. Management reserves the right to transfer, temporarily or permanently, employee at any time to other locations as deemed necessary. The incumbent will utilize Bank Policy and procedures, ensuring that a high standard of quality and accuracy is maintained at all times. It is the responsibility of the incumbent to ensure quality service and to report risk and exposure to management immediately. Under general supervision, but in compliance with established policies and procedures, serves customers by providing product and service information. Resolves customer service problems and recommends products or services to potential customers. Must have extensive knowledge of all Bank products. All tasks should be performed in a timely manner and will include but not be limited to the following: Assist customers in a professional and service-oriented manner. Opens new accounts, explaining options such as single and joint ownership, revocable trust accounts, various savings, certificates of deposits and checking account programs available; gathering needed information from the customer, transferring funds from existing accounts. Prepares all paperwork and assists the customer in the signing of documents necessary to process new accounts. Receives initial deposit and ensures that all new accounts are properly processed. Actively cross-sells the bank's services in a professional manner. Completes all arrangements and documents for such services as fund transfers Answers questions and solves problems for customers and branch staff concerning all services provided by the bank by listening to problems, collecting data, securing answers and reporting results to inquiring party. Opens IRA/SEP retirement accounts, including acquainting the customer with various legal requirements, gathering necessary information, and preparing the documents. Processes all retirement accounts and direct deposit forms, checking for accuracy before forwarding to the appropriate area. Will have extensive contact with customers and the public, conducting relationships in a manner that will enhance the overall marketing effort of the Bank. Recognize situations, which because of risks or hazards involved, are beyond his/her limit and should be referred to management. Deal effectively and tactfully with all types of customers. Learn and adhere to all Bank policies and procedures. Assist customers in a professional and service-oriented manner. Answer in-person and telephone customer inquiries on account balances, bank products and services; assist customer with completion of proper documents. Process financial transactions for personal and commercial customers in an accurate and efficient manner. Complete correct bank documents in order to process each transaction accurately and efficiently. Reports to work on a daily basis at scheduled time set by Manager.
TELLER DUTIES
Operate teller terminal using proper function keys. Assist with duties associated with Remote Branch Capture. Process transactions according to Bank Policy as outlined in Teller Standards Policy. Balance teller station at close of business day: complete proper cash tickets, count currency and coin. Counts, proofs and packages currency and coin; secures teller drawer at end of day. Report outages in accordance with Teller Performance Standards. Under the direction of the Teller Coordinator/Branch Manager, may assist with the operation of the branch ATM. Perform all other teller functions - to include cashier's checks, money orders, gift cards, travel cards, wire transfers, telephone transfers, stop payments, advances and all payment functions. Performs a range of related duties and may assist other tellers or branch personnel.
QUALIFICATIONS
To perform this job successfully, an individual must be able to perform each essential duty satisfactory. The requirements listed below are representative of the knowledge, skill, and/or ability required. Reasonable accommodations may be made to enable individuals with disabilities to perform the essential functions. Minimum 3-4 years banking experience. High School Diploma or equivalent; current Driver's License.
