Personal Banker Associate

CB&S Bank•Trenton, GA

1d•Onsite

About The Position

This role collaborates with the Branch Sales Manager to gain knowledge of consumer lending processes, from application to closing. It also involves performing Universal Banker duties, such as opening new accounts, retirement accounts, and assisting with teller transactions. The position is responsible for developing new business relationships, maintaining existing ones, and identifying sales and referral opportunities, while also answering customer questions about all services offered by the financial institution.

Requirements

One to two years of retail banking experience or relevant work experience including clerical, administrative, cash handling, or customer service experience required.
Ability to interact with customers in a professional and friendly manner.
Bachelor degree from an accredited college with a concentration in accounting / finance preferred, or equivalent business related experience.
One to two years of consumer and residential lending experience.
Proven knowledge of loan policies and procedures.
Ability to work independently, establish priorities and procedures, and meet established goals.
Proven ability to motivate staff in sales.
Registered with the NMLS.
Strong personal leadership skills, organizational skills, and excellent verbal and written communication skills.
Ability to analyze and summarize complex financial information, make presentations of that information, communicate its contents, and make recommendations for 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 are essential.
Acceptable attendance and reporting to work in a timely manner.
Works well with co-workers, vendors, and customers.
Conducts customer relations in a manner that will enhance the overall marketing effort of the bank.
Must be courteous and respectful of all customers and employees.
All employees are expected to conduct themselves in a professional matter, which is conducive to the effective operation of the Bank.
Follows all company policies and procedures as well as all state and federal regulations.
Ability to maintain matters of a highly confidential nature.
Honesty must be an essential ingredient in all matters.
Attempts to return all phone calls the same day as they are received.
Acts on all loan requests, after receiving all information necessary to consider the request, within two days for all loans within your authority and twelve days for all other loans.
Maintains loan exceptions at a rate specified by loan policy and procedures, or of greater quality.

Nice To Haves

Bachelor degree from an accredited college with a concentration in accounting / finance preferred, or equivalent business related experience.
One to two years of consumer and residential lending experience.

Responsibilities

Observes features and benefits of consumer loan products and operations to understand the consumer lending process.
Reviews credit investigation, loan evaluation, and decision-making processes to understand customer relationship building and relevant laws and regulations.
Performs services such as opening new accounts, establishing direct deposit accounts, opening retirement accounts, and assisting customers with teller transactions.
Develops new business relationships and maintains existing ones.
Recognizes selling and referral opportunities.
Answers questions on all services the financial institution provides.
Assists in the implementation of new products or programs to improve customer service and stimulate growth.
Interviews loan applicants, analyzes financial information, and works through the loan process to identify an appropriate loan decision.
Prepares presentations for loan requests for the appropriate level of authority.
Learns proper management of a loan portfolio for consumer and residential loans.
Assists in the management of the loan portfolio consistent with sound banking practices while maintaining profitability.
Participates in the bank's officer call program and promotes the bank's services.
Makes business development calls on existing and prospective customers.
Maintains an active role in community affairs to improve the bank's visibility.
Assists in implementing plans to reduce total past due loans and non-earning assets.
Monitors past due loans and contacts customers when appropriate.
Ensures delivery of quality customer service through personal leadership and adherence to bank's quality standards.
Completes outlined Training Plan for future growth into management of a loan portfolio independently.
Provides a complete range of customer services, including opening new accounts and gathering customer information.
Receives deposits and ensures all accounts are properly processed.
Establishes retirement accounts and arranges for direct deposits.
Completes arrangements and documents for special services.
Carries out the financial institution's client retention strategies.
Proactively seeks prospects for new business.
Actively refers loans, outside lines of business, and other bank services to appropriate specialists.
Opens and closes office by following established security procedures.
Performs specialized tasks such as preparing cashier's checks and personal money orders, and issuing traveler's checks.
Ensures compliance with all internal controls and policies and procedures.
Answers inquiries regarding checking and savings accounts and other bank-related products.
Attempts to resolve issues and problems with customer's accounts.
Develops knowledge of bank products through independent study and general banking knowledge.
Completes all required monthly and quarterly training.
Accurately processes and/or reports garnishments, tax levies, subpoenas, counterfeit currency, mail, night deposit logs, and negotiable instrument logs.
Represents the financial institution in community affairs and civic organizations.
Assists all branches with existing and potential consumer and residential loan customers.
Occasionally assists commercial customers with their initial loan requests.
Authorizes official checks, expense checks, money orders, charge-offs, overdrafts, etc.
Accurately balances assigned cash drawer.
Identifies customers, validates and cashes checks, accepts cash and checks for deposit, and checks accuracy of deposit slips.
Performs any other duties assigned by the supervisor.