Personal Banker I

First Farmers & Merchants Bank•Columbia, TN

4d•Hybrid

About The Position

The Personal Banker I role is to assist customers and potential customers with their banking needs, support Relationship Managers in processing loans, and identify cross-sell opportunities and make appropriate referrals. This position involves direct customer interaction, handling account openings and closings, answering questions about products and services, resolving customer issues, and performing teller duties as needed. The Personal Banker I also assists with consumer loan applications, data entry, and loan closings, while maintaining knowledge of bank products, regulations, and policies. A key aspect of the role is identifying and capitalizing on cross-selling opportunities to expand customer relationships with the bank's services. Additionally, the position involves general office duties and may require working in the Contact Center or traveling to branches.

Requirements

One year to three years of similar or related experience.
A two-year college degree, or completion of a specialized certification or licensing, or completion of specialized training courses conducted by vendors, or job-specific skills acquired through an apprenticeship program.
Work involves much personal contact with others inside and/or outside the organization for the purpose of first-level conflict resolution, building relationships, and soliciting cooperation.
Discussions involve a higher degree of confidentiality and discretion, requiring diplomacy and tact in communication.
Must exhibit leadership, supervisory, and management skills.
Must have good communication skills.
10-key calculator, typewriter, and keyboard skills.
The person in this position needs to frequently move about inside the office to interact with associates or clients and access office machinery and file cabinets.
The person in the position constantly operates a computer and other office productivity machinery, such as a calculator, photocopier, and printer.
To comply with the letter and with the spirit of the bank's Code of Business Conduct and Ethics.
To maintain the confidentiality of customer and any other sensitive information.
To be punctual and have regular attendance.
To maintain an excellent knowledge of financial services offered by the bank; to be knowledgeable of competitors' services.
To produce assigned loan volume, in total dollars produced and overall loan portfolio balance.
To meet goals in selling credit life and disability insurance on new and renewed loans.
To provide friendly, prompt, professional and accurate service and support to all customers.
To acquire and maintain a working knowledge of regulations and bank procedures.
To comply with the provisions of the Bank Secrecy Act and other laws and regulations.
To develop and maintain a positive and productive working relationship with co-workers.
To maintain a professional work environment and businesslike appearance at all times.
To complete required training and undertake additional training as needed to increase job knowledge and maximize productivity.

Responsibilities

Assists customers with opening and closing accounts, answers questions about products and services and resolves problems that are within their authority to resolve.
Explains services, sets up new accounts, certificates of deposit, IRAs; helps customers with electronic funds transfers; provides expertise on Internet banking products.
Responds to problems and directs customers to the appropriate person or team; refers problems that are beyond their authority to their supervisor, along with their recommendations.
Perform teller duties as needed.
Assists in taking consumer loan applications, entering data in loan system and help with closings.
Has basic knowledge of the bank's consumer loan products and documents, consumer lending regulations, and bank consumer lending policies; is trained to help Relationship Managers process loans; helps to set up loan closings that are conducted in the branch.
Identifies cross-sell opportunities and cross-sells services to customers.
Performs a variety of miscellaneous duties including typing, filing, computer input, and answering the telephone.
Work in the Contact Center as needed.
Performs other duties as assigned.