Financial Services Representative (Personal Banker)

First Citizens Bank • Southern Pines, NC

1d

About The Position

A Financial Services Representative (FSR) supports sales and service delivery by floating to different branches within a market. The Senior FSR builds and expands banking relationships through proactive customer outreach and customer service requests. The position is responsible for opening deposit accounts and related banking services, providing lending services (including consumer real estate secured lending), and identifying and referring sales opportunities to the appropriate bank partner.

The role involves achieving assigned individual and/or team financial, production, and relationship results; engaging customers, prospects, and referral sources through proactive outreach; and representing the Bank at civic and community events when appropriate. The FSR provides relevant financial guidance, listens to understand customer needs, takes prompt action to address them, and collaborates with customers, prospects, and colleagues.

The representative must comply with regulations, bank policies, procedures, and delegated authorities to manage risk. Duties also include completing required training, performing assigned office management tasks, and ensuring accuracy and operational efficiency for deposit transactions where applicable.

Requirements

• Bachelor's degree and 1 year of experience in sales, customer service, or lending; or high school diploma or GED/equivalent and 5 years of experience in sales, customer service, or lending; or 6 months of experience in a customer support role at First Citizens Bank; or participation in a First Citizens career development program.
• Ability to apply a structured sales process.
• Ability to provide financial guidance and expertise.
• Financial literacy.
• Knowledge of retail banking products and services.
• Ability to build productive relationships.
• Sales outreach skills.
• Written and verbal communication skills.
• Self-discipline to manage daily calling activity and achieve required results.
• Ability to proactively engage in conversation, build customer trust, adapt to new information and technology, build working relationships, influence different personalities, and move quickly through problem resolution.

Nice To Haves

• Experience in financial services sales.
• Experience in telephone sales.

Responsibilities

• Achieve assigned individual and/or team financial, production, and relationship results.
• Conduct proactive outreach to customers, prospects, and referral sources.
• Represent the Bank at civic and community events when appropriate to generate business and identify potential CRA opportunities.
• Use sales practices that create value for both customers and the Bank, with appropriate partnering, planning, and preparation.
• Build collaborative partnerships with customers, prospects, and colleagues.
• Initiate conversations to uncover sales or referral opportunities; listen and ask questions to understand customer needs and preferences; and promptly address immediate needs.
• Seek coaching, support Bank initiatives, and use tools to optimize performance.
• Comply with regulations, bank policies, procedures, and delegated authorities to manage risk related to customer interactions, transactions, and financial exposures.
• Complete required training by established deadlines.
• Perform assigned general office management duties to support operational efficiency.
• Ensure accuracy and operational efficiency for deposit transactions when responsible for taking deposits.
• Open deposit accounts and related banking services, provide lending services including consumer real estate secured lending, and refer sales opportunities to appropriate bank partners.

Benefits

• First Citizens Bank offers a competitive, thoughtfully designed benefits program intended to meet associates' needs; details are available on the company's benefits website.

What This Job Offers

• Job Type: Full-time
• Career Level: Entry Level