Personal Banker I

First Farmers & Merchants Bank•Nashville, TN

28d•Onsite

About The Position

The Personal Banker I role is to assist customers and potential customers with their banking needs. This includes supporting Relationship Managers in processing loans, identifying cross-sell opportunities, and making appropriate referrals. The position requires assisting customers with opening and closing accounts, answering questions about products and services, resolving problems, explaining services, setting up new accounts and certificates of deposit, assisting with electronic funds transfers, providing expertise on Internet banking products, and referring complex issues to a supervisor. Teller duties may also be required. Additionally, the role involves assisting in taking consumer loan applications, entering data into the loan system, and helping with closings, with a basic understanding of consumer loan products, regulations, and policies. The Personal Banker I is also responsible for identifying and cross-selling services to customers, performing miscellaneous administrative tasks, and potentially working in the Contact Center as needed.

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.
Frequently move about inside the office to interact with associates or clients and access office machinery and file cabinets.
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.

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