Personal Banker I (75501)

Main Street Bank•Ayer, MA

12h•Onsite

About The Position

Within the Retail Branch team at Main Street Bank, our Personal Bankers at Main Street Bank excel in nurturing customer relationships and recommending products and services. Leveraging their product knowledge in every interaction, they identify customer needs and offer tailored financial solutions, ensuring a hassle-free banking experience. Under the direct supervision of the Assistant Manager/Branch Manager or Branch Administrator. The Personal Banker I manages a wide spectrum of customer service transactions, including teller line operations, and play a crucial role in guiding customers to the appropriate departments for non-deposit transactions. Moreover, the Personal Banker I may extend their support to branch and retail initiatives that have an impact on both the department and the entire bank. In keeping with our established sales and service culture, this role actively contributes to the attainment of the bank's goals.

Requirements

High School diploma or equivalent
Banking courses and/or related work experience
Basic product knowledge
Proficient in Microsoft Office Suite products
Means and mode to travel to any of Main Street Bank’s locations as needed on an occasional basis.
Solid understanding and application of administration activities
Ability to operate standard office equipment
Coachable and demonstrable ability to take and implement feedback
Continuous desire to learn and improve
Excellent Communication Skills (written and verbal)
Accurate attention to detail
Self-Monitoring
Professionalism
Adaptability
Responsiveness
Independent
Team orientated
Confidentiality & Discretion
Organizational Skills
Sound Judgement
Proficient Prioritization skills
Resourceful
Relationship Builder - Develops and maintains relationships with officers, employees and external contacts and maintains alignment with core values, vision, strategy and goals.
Computer Technology Savvy - Utilize technology/systems to improve work processes and use a range of technology to solve problems
Ability to frequently communicate with customers, about banking products, their bank accounts & transactions and therefore must be able to exchange accurate information in these cases.
Ability to use judgment and discretion in decision making situations.
Ability to interpret and follow all Bank policies and procedures.
Ability to write/create reports and business correspondence.
Ability to speak and effectively present/communicate information and respond to questions from customers, groups of managers, vendors and other employees.
Ability to define problems, collect data, establish facts and draw valid conclusions.
Ability to read, analyze and interpret a variety documents such as checks, bank statements and Loan documents.

Nice To Haves

Experience in a financial institution - retail banking preferred

Responsibilities

Asking personalized questions to convert transactions, account maintenance and other routine service requests into cross-sell conversations that deepen client relationships while meeting the customers needs.
Manages the opening of various deposit accounts, ensuring the necessary documentation is complete and properly filed.
Demonstrates a proactive approach to cross-selling bank products, making tailored recommendations to meet customer needs.
Addresses basic inquiries and redirects complex issues to the appropriate channels.
Skillfully manages phone inquiries related to account activity and balances.
Maintains and organizes the teller workstation, ensuring an adequate supply of cash, forms, and other essentials for daily operations.
Executes a diverse array of customer transactions, including deposits, withdrawals, cash disbursements, loan and mortgage payments, check processing, money order issuance, and account transfers.
Delivers a wide range of customer services, such as handling change of address requests, re-pinning debit cards, adding notes to customer accounts, and assisting with Certificate of Deposit renewals.
Upholds meticulous record-keeping practices and conducts accurate end-of-shift balancing procedures, promptly reporting any discrepancies to supervisors.
Cultivates an in-depth understanding of bank policies, products, and services and continuously updates this knowledge through participation in seminars and courses.
Adheres to established bank security procedures concerning cash levels, check cashing, and transaction processing.
Adapts to various roles, including operating a Customer Service desk, lobby window, or drive-up services, as needed.
Maintains a well-organized work area, ensuring efficiency and cleanliness.
Consistently successful random monthly cash drawer audits and alarm testing in line with the Branch Manager's monthly report.
Professionally and promptly handles customer problems and complaints, coordinating appropriate follow-up actions.
Directs consumer loan requests to the relevant branch personnel, while maintaining a basic knowledge of the bank's consumer loan products.
Upholds a record of regular and consistent attendance to sustain high standards of customer service.
Occasionally participates in before/after hours and weekend community events.
Ensures compliance with Bank Secrecy Act regulations and internal/operational risk controls, attending mandatory training sessions and completing required online courses.
Exemplifies adherence to all company policies and serves as a role model in policy compliance.
Occasionally travels locally for bank-related purposes, including staff meetings, training, business calls, networking, and community/marketing events.
Periodically participates in community events outside regular business hours, as needed.
Shares responsibility for achieving branch goals.
Participates in Branch activities that generate new business such as promoting branch sales culture and special promotional events.
Occasionally represents the financial institution in before/after hours and/or weekend networking and community service events.
Consistently exceeds customer service expectations by offering excellent service, including greeting customers, smiling, using their name and building rapport with customers designed to generate customer loyalty.
Maintains a solid knowledge of Bank’s deposit and loan products as well as additional services offered.
Provides counsel to existing and potential customers regarding product and/or service selection.
Evaluates customer problems and complaints and resolves them to ensure customer satisfaction.
Assists customers with teller line transactions and as well as account opening and maintenance.
Interacts independently with members of the community to conduct banking needs; complete transactions and resolves customer issues as needed.