Personal Banker, Job Description
Job Title: Personal Banker
Department: Avoca - Retail
Reports To: Avoca Branch Manager
FLSA Status: Non-Exempt
Prepared By: Avoca Branch Manager
Prepared Date: December 2020
Application Due: December 24, 2020 SUMMARY:
Develop and enhance banking relationships by prospecting new customers and calling on existing customers. Provide expertise in all deposit products and services which means attending internal and external training sessions as assigned by supervisor. Products and services include checking, savings, IRAs, safe deposit boxes, online banking, telephone banking and debit cards. Personal Bankers must also have a basic understanding overdraft protection, home equity line of credits and credit cards and loans.
ESSENTIAL DUTIES AND RESPONSIBILITIES include the following. Other duties may be assigned.
1) Conduct daily teller work duties including but not limited to: deposits, withdrawals, balancing of one’s teller drawer, customer inquiries, transfers and safe deposit box entry and exit.
2) Perform proper and timely workflow that relates to opening new accounts and completing all necessary CIP and compliance paperwork to ensure legal and compliant accounts.
3) Create extraordinary customer service in every aspect of your duties at Shelby County State Bank by strengthening loyalties, listening, caring, exuding empathy, and providing positive solutions when dealing with others.
4) Proactively participate in business development for Shelby County State Bank. This includes prospecting for new customers and retaining our existing customers.
5) Answer customer questions and resolve customer problems expediently and empathetically.
6) Counsel new customers to choose appropriate products. Cross-sell products and services to customers appropriately – identify value for those customers who have a need for a particular product or service.
7) Duties within responsibilities may include, but not limited to:
- Assist in the maintenance and monitoring of the branch’s cash position. - Conduct branch specific daily transaction scanning, transmitting, and
monitoring in an efficient and accurate manner.
- Act as support for the loan function of the branch including but not limited to: scanning of loan documents, acceptance of loan payments, applying of advances and payments, assisting in NSF review, and other tasks assigned. - Great all customers in person and on the phone in a warm and friendly
manner.
- Create an atmosphere of teamwork by helping out coworkers to promote a positive and fun working environment.
- Complete required training within designated time frame.
- Report all compliance issues, violations of law or regulation in accordance with the steps defined in the SCSB Compliance Accountability Program. 8) Complies with regulatory rules and regulations, evidenced through successful
completion of training and demonstrated ability. Topics include but are not limited to Bank Secrecy Act, Anti Money Laundering, Ethics, Office of Foreign Asset Control (OFAC), etc.
9) Reflects a positive image for the Bank by exuding professional demeanor at all times
and contributing to community involvement.
10) Keeps abreast of current industry trends, regulatory issues and overall economic environment. Integrates knowledge into strategic and operational business planning. 11) Performs other duties as assigned by management based on performance.
SUPERVISORY RESPONSIBILITIES None
QUALIFICATIONS
To perform this job successfully, an individual must be able to perform each essential duty satisfactorily. 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.
EDUCATION and/or EXPERIENCE Required:
• Excellent oral and written skills.
• Ability to multi-task and excellent organizational skills. • Proficient with Microsoft Office suite of products. • Excellent customer service skills.
• High School Diploma or equivalent, college degree is preferable; at least one year related experience and/or training. Excellent P.C. skills, ability to work well with others and attention to detail. Ability to reason, problem solve, analyze issues and use sound judgment. Strong team player and be able to work unsupervised. Regular and predictable attendance is a required essential function of the job. Desired:
• 3+ years’ experience in retail bank setting • Associates or Bachelor’s degree.
• Sales experience.
Computer and data processing literacy required, including adept experience with Microsoft Office programs. Experience with Business Objects is helpful, but not
required. Bank regulation and compliance is required. Mathematical, organizational and verbal and written communication skills required. Must be highly motivated with good communication skills, autonomous, and capable executing tactical plans in line with strategic objectives.
LANGUAGE SKILLS
Ability to communicate professionally and distinctly to the general public and other coworkers. Ability to read and interpret general business periodicals.
MATHEMATICAL SKILLS
Ability to add, subtract, multiply, and divide in all units of measure, using whole numbers, common fractions, decimals, and basic algebra.
REASONING ABILITY
Ability to solve practical problems and deal with a variety of situations. Ability to interpret a variety of instructions furnished in written, oral, diagram, or schedule form.
CERTIFICATES, LICENSES, REGISTRATIONS
Valid driver’s license is preferred for travel to Bank offices, training sessions, customer meetings, Bank and community meetings, etc. Ability to speak a foreign language helpful but not required.
PHYSICAL DEMANDS
The physical demands described here are representative of those that must be met by an employee to successfully perform the essential functions of this job. Reasonable accommodations may be made to enable individuals with disabilities to perform the essential functions.
While performing the duties of this job, the employee is regularly required to talk or hear. The employee frequently is required to sit; use hands to finger, handle, or feel; and reach with hands and arms. The employee is occasionally required to stand; walk; climb or balance; and stoop, kneel, or crouch. The employee must regularly lift and/or move up to 10 pounds and occasionally lift and/or move up to 50 pounds. Specific vision abilities required by this job include close vision, distance vision, color vision, and depth perception.
Must be willing to office out of the Avoca location. Must be willing to work on a Saturday rotation and a pre-determined monthly schedule with hours assigned between 8:00 a.m. and 5:00 p.m. Monday thru Friday. Flexibility is needed due to unforeseen
circumstances.
WORK ENVIRONMENT
The work environment characteristics described here are representative of those an employee encounters while performing the essential functions of this job. Reasonable accommodations may be made to enable individuals with disabilities to perform the essential functions.
While performing the duties of this job, the employee is occasionally exposed to moving mechanical parts and outside weather conditions. The noise level in the work
environment is usually moderate.
_____________________________________ The above statements are intended to describe the general nature and level of work
being performed by the person assigned to this position. They are not intended to be an exhaustive list of all responsibilities, duties and skills required of personnel so classified. Further, this job description is not intended to limit or in any way modify the
right of any supervisor to assign, direct and control the work of any employee under his/her supervision. I further understand that employment is at the will of the employer and either the employer or the employee may at any time terminate the employment with or without cause. I further understand that no representations, promises or commitments made by supervisors or other company representatives relating to this position or duration of employment are binding on the company.