Personal Banker Associate

CB&S Bank•Trenton, GA

About The Position

The Personal Banker Associate collaborates with the Branch Sales Manager to learn and support consumer and residential lending, including generating and processing loan applications, evaluating credit, preparing loan requests for approval, servicing loan accounts, and managing a loan portfolio. The role develops customer relationships, promotes bank products and services, identifies cross-selling and referral opportunities, and supports business development and community involvement. The position also performs Universal Banker duties, providing a range of branch services such as opening and maintaining accounts, processing deposits and teller transactions, establishing direct deposits and retirement accounts, assisting with special services, and responding to customer questions. The associate follows branch security procedures and internal controls, completes required training, and complies with bank policies and applicable regulations. Lending activities are performed under the supervision of the Branch Sales Manager.

Requirements

One to two years of retail banking experience or relevant work experience in clerical, administrative, cash-handling, or customer-service work.
One to two years of consumer and residential lending experience.
Proven knowledge of loan policies and procedures.
Registered with the NMLS.
Ability to interact with customers in a professional and friendly manner.
Ability to work independently, establish priorities and procedures, and meet established goals.
Ability to motivate staff in sales.
Strong personal leadership and organizational skills, with excellent verbal and written communication skills.
Ability to interact well with customers, listen effectively, and communicate complex issues.
Ability to analyze and summarize complex financial information, present it, communicate its contents, and recommend appropriate courses of action.
Ability to travel to various locations to meet with customers and bank personnel.
Strong business-development, customer-relations, and decision-making skills.
Ability to maintain highly confidential information and conduct oneself honestly and professionally.

Nice To Haves

Bachelor's degree from an accredited college with a concentration in accounting or finance, or equivalent business-related experience.

Responsibilities

Learn and promote the features and benefits of bank products and services to existing and prospective customers.
Under the Branch Sales Manager's supervision, service residential loan accounts and expand customer relationships through cross-selling and referrals.
Assist with implementing new products and programs to improve customer service and support growth.
Interview loan applicants, analyze financial information, and work through the loan process to identify appropriate loan decisions.
Prepare loan-request presentations for the appropriate approval authority.
Learn and assist with managing consumer and residential loan portfolios consistently with sound banking practices and profitability goals.
Participate in the bank's officer call program and make business-development calls jointly with the Branch Sales Manager.
Participate in community affairs to improve the bank's visibility and represent the institution in civic organizations.
Assist in reducing past-due loans and non-earning assets, monitor past-due loans, and contact customers when appropriate.
Support quality customer service in the branch through personal leadership and adherence to bank standards.
Complete the training plan for future independent management of a loan portfolio.
Open new accounts, explain products and services, gather customer information, and process new and existing accounts.
Receive and process deposits; establish retirement accounts and arrange direct deposits.
Prepare arrangements and documents for special services, including foreign currency exchanges.
Carry out customer-retention strategies and proactively seek new business prospects.
Refer loans, other lines of business, and bank services to appropriate specialists.
Open and close the office according to established security procedures.
Prepare cashier's checks and personal money orders and issue traveler's checks.
Follow internal controls, policies, and procedures; answer account and product questions and attempt to resolve customer account issues.
Develop product and general banking knowledge through independent study and professional development courses, and complete required monthly and quarterly training.
Process or report garnishments, tax levies, subpoenas, counterfeit currency reports, mail, night-deposit logs, and negotiable-instrument logs according to branch procedures.
Assist branches with existing and prospective consumer and residential loan customers and occasionally assist commercial customers with initial loan requests, under the Branch Sales Manager's supervision.
Authorize official checks, expense checks, money orders, charge-offs, and overdrafts as permitted by procedures.
Balance the assigned cash drawer; identify customers, validate and cash checks, accept deposits, and check deposit-slip accuracy.
Perform other duties assigned by the supervisor.
Work accurately and promptly, maintain acceptable attendance, treat customers and colleagues professionally, preserve confidential information, follow policies and regulations, and attempt to return phone calls the same day.
Act on loan requests within two days when within the associate's authority and within twelve days for other loans after receiving the information needed to consider the request.