Personal Banker I

First Bank•Beaufort, NC

About The Position

The Personal Banker I ensures customers’ needs are met by conducting thorough financial needs assessments and recommending products and services that address immediate and future financial needs. Under direct supervision, this role generates leads, builds new customer relationships, and maintains existing ones to deliver a strong customer experience through clear guidance and product knowledge. The position combines service-window responsibilities with needs assessment and sales. The posting describes this level as based on 1 to 3 years of banking experience, previous Teller experience, customer-contact or sales experience, or equivalent. The role coordinates Personal Banker and Service Representative functions, provides transactional support to tellers, and performs applicable dual-control duties. It opens personal and business accounts, processes personal loan and credit card applications, resolves customer requests and complaints, processes branch transactions and reporting, and follows branch security procedures. The Personal Banker I also develops profitable customer relationships, meets activity and growth goals, conducts outbound calls, generates referrals, and follows operational, regulatory, and compliance requirements. The work is performed in a professional office environment using standard office equipment. The position requires the ability to work scheduled hours and days, support multiple branch locations as needed, and meet the stated physical and cognitive demands. Reasonable accommodations may be made for individuals with disabilities to perform essential functions.

Requirements

High school diploma or GED, or an equivalent combination of education and experience.
The position level is based on 1 to 3 years of banking experience, previous Teller experience, customer-contact or sales experience, or equivalent.
Work-related experience may include reception or secretarial duties in a business environment.
Business- or financial-industry-related education or training, whether through in-house training, formal schooling, or financial-industry curriculum.
Intermediate knowledge of bank operations, products and services, applicable state and federal laws and regulations, and bank operational policies and procedures.
Excellent organizational and time-management skills, with the ability to work with minimal supervision.
Intermediate skills in computer terminal and personal computer operation, mainframe computer systems, word processing, spreadsheets, and specialty software programs.
Exceptional verbal, written, and interpersonal communication skills, and the ability to use common sense to carry out instructions and instruct personnel.
Valid driver's license.
Ability to stand, walk, sit, and use hands and fingers; vision, hearing, speech, dexterity, and visual concentration are required.
Ability to work the hours and days required to complete the position's essential functions as scheduled.
Ability to learn, think, concentrate, exercise self-control, and work in a customer-relations environment.
Ability to pay close attention to detail and work as a member of a team.
Ability to interact effectively with coworkers and customers and exercise self-control and diplomacy in customer and employee relations.
Ability to exercise discretion and appropriate judgment.

Responsibilities

Coordinate Personal Banker and Service Representative functions to provide efficient, accurate, and professional service.
Provide transactional support to the Service Area (Tellers) and perform applicable dual-control functions.
Open personal and business accounts and prepare related documentation.
Input and close personal loan applications, including DDA lines of credit and credit card applications.
Assist customers with requests, complaints, research, and follow-up related to deposit accounts, debit and credit cards, safe deposit boxes, official checks, and other bank products or services.
Process non-post reports, wire transfers, credit card orders, address changes, check and deposit slip orders, endorsement stamp orders, and other branch reporting or processes.
Follow branch security procedures, including opening and closing procedures, personnel safety, and Bank procedures.
Interact with customers in person and by telephone.
Support multiple branch locations as needed.
Generate and maintain profitable customer relationships while meeting and exceeding customer financial needs and expectations.
Achieve activity, growth, and customer satisfaction objectives.
Conduct outbound calling and needs assessments as assigned by the Bank Manager to generate qualified referrals.
Meet or exceed activity goals, including face-to-face appointments and voice-to-voice calls, to drive sales and referral results.
Apply basic sales skills and product knowledge for deposit and loan products.
Follow operational, regulatory, security, and screening requirements and procedures to minimize losses.
Input and follow through on loan applications in accordance with operational and regulatory requirements.
Adhere to branch internal policies and procedures and support successful internal audits.
Complete annual compliance courses and comply with corporate policies, Federal and State laws and regulations, including the Bank Secrecy Act and Anti-Money Laundering Act.
Adhere to Service Excellence standards.
Perform other duties as required.