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.
Act as the first point of contact for customers, delivering exceptional service, processing transactions in accordance with bank policies and procedures, assisting with customer inquiries, and identifying and referring cross-sell opportunities.
JOB DUTIES AND RESPONSIBILITIES
Assist customers with transactional needs in accordance with established guidelines, brand model, and service standards, including answering inquiries about account balances, transaction history, service charges, interest rates, and more. Maintain daily operational standards, including cash drawer security, balancing the cash drawer, item capture procedures, counterfeit currency identification, and ensuring adequate supplies at the teller station. Possess knowledge of bank products and services and educate customers on emerging bank technology and digital solutions. Protect the bank from unnecessary risk by adhering to bank procedures and confidentiality guidelines, including currency transaction reports, suspicious activity reports, Regulation CC holds and documentation, robbery procedures, and more. Adhere to internal controls, operational procedures, and risk management policies, including security protocols for robbery, fraud, opening/closing processes, cash controls, and teller procedures. Ensure compliance with all bank policies and procedures, as well as applicable state and federal banking regulations. Perform other duties and responsibilities as assigned.
KNOWLEDGE
Understanding of bank transactional guidelines, brand model, and service standards. Familiarity with daily operational standards, including cash drawer security, balancing, item capture procedures, and counterfeit currency identification. Knowledge of bank products and services, as well as emerging bank technology and digital solutions. Awareness of bank procedures and confidentiality guidelines, including currency transaction reports, suspicious activity reports, Regulation CC holds, and robbery procedures. Understanding internal controls, operational procedures, and risk management policies. Knowledge of state and federal banking regulations.
SKILLS:
Ability to assist customers with transactional needs and answer inquiries about account balances, transaction history, service charges, interest rates, and more. Proficiency in maintaining daily operational standards, including cash drawer security, balancing, item capture procedures, and counterfeit currency identification. Skill in educating customers about bank products, services, and emerging technology. Competence in adhering to bank procedures and confidentiality guidelines to protect the bank from unnecessary risk. Ability to follow internal controls, operational procedures, and risk management policies, including security protocols for robbery, fraud, opening/closing processes, cash controls, and teller procedures. Ensuring compliance with all bank policies, procedures, and applicable regulations. Excels in cooperative work environments with cross-functional teams.
QUALIFICATIONS
Must have a minimum of a High School diploma, or equivalent. 1 + years' experience; customer service experience in financial services, or retail sales preferred. Be available for a rotating shift between opening and closing.
WORK ENVIRONMENT
This job operates in a professional office environment. This role routinely uses standard office equipment such as computers, phones, copiers, and scanners. Light travel between local branches may be required.
PHYSICAL DEMANDS
The physical demands described represent those an employee must meet to perform the essential functions of this job. While performing the duties of this job, the employee will regularly sit, stand, walk, talk, hear, bend, or kneel. Ability to see objects up close or at a distance, use peripheral vision, identify basic colors; Use of hands with ability to reach; ability to lift up to 20 pounds.
