Personal Banker II

Arizona Financial Credit Union•Scottsdale, AZ

2d•Hybrid

About The Position

The position is responsible for all Teller, Senior Teller, and Personal Banker I accountability. This includes assisting on the teller line, greeting members in the lobby, and assisting members with all inquiry types and loan needs. The role achieves individual sales goals and contributes to the success of the branch by listening to customer concerns, addressing their needs, and emphasizing product features that solve member issues. It involves having effective conversations about additional loan protection products, developing interpersonal skills to build rapport quickly with a wide variety of people, and displaying confidence while communicating with members. The Personal Banker II uses consultative sales techniques to proactively offer products and services that are in the member's best interest, including consultative analysis of credit profiles and account history. They complete service calls and outbound call efforts, and understand offerings to provide referrals to business partners like Elavon, Arizona Group, and Member’s Auto Center. This role opens all types of consumer accounts, including trusts, and various business accounts such as Simple Business Trusts, DBA, LLC, Corporation, Partnership, General Partnership, and Non-Profit. The Personal Banker II manages a book of business for new business and consumer accounts, serves as the consumer lending expert for all loan types with an emphasis on home equity and business credit card products, and processes applications and funds loans. They create relationships with new business members, serve as a relationship manager, and maintain knowledge in all business banking operational procedures. The role engages a Senior Banker III for complex business account openings, speaks to the benefits of treasury management services, and reviews/approves Power of Attorney documentation. It requires leadership skills to coach/mentor peers, serves as an escalation and problem resolution expert, and makes good business decisions. The Personal Banker II is responsible for opening and closing the branch in management’s absence, providing training and feedback to staff on equity referral opportunities, and partnering with management and teams to achieve referral goals. They may attend offsite meetings with business banking members, complete cash audits, and maintain an understanding of the check hold policy. Other job-related duties may be assigned.

Requirements

High School diploma or general education degree (GED)
Two (2) years’ experience in a financial institution with experience opening new accounts, completing loan applications/funding or any equivalent experience in business banking.
Knowledge of computers.
Ability to type 25 words per minute.
Ability to read, write, speak, and use proper grammar in English.
Ability to read, interpret, and analyze written instructions, correspondence, and procedure manuals.
Ability to write simple business correspondence.
Ability to communicate verbally both in person and on the telephone.
Ability to speak effectively to members regarding common inquiries or complaints.
Ability to apply common sense understanding when dealing with problems involving variable in standardized situations.
Ability to add, subtract, multiply and divide using whole numbers, common fractions, and decimals.
In compliance with the federal Secure and Fair Enforcement for Mortgage Licensing (S.A.F.E.) Act of 2008, Arizona Financial employees acting as Mortgage Loan Originators (MLO) must be registered with the Nationwide Mortgage Licensing System and Registry (NMLS or Registry) and obtain a unique identifier (NMLS Number).
Prior to performing MLO duties, the registration process requires a MLO applicant to: Electronically submit to the Registry personal and employment information as well as authorize and attest to the accuracy of the information submitted; Submit fingerprints to the NMLS for an FBI criminal background check; and Receive clearance from Arizona Financial based on the FBI background check results.
Applicants with certain criminal convictions, including but not limited to crimes involving dishonesty or fraud, or crimes involving financial services or a financial services related business, will not qualify for the MLO designation.
After successful registration, clearance by Employee Services and having an assigned NMLS number, employees may perform MLO functions which include: Taking a residential mortgage loan application; and Offering or discussing the terms of a residential mortgage loan.
To maintain MLO registration and the ability to perform these functions, a MLO must: Renew registration on an annual basis during the annual renewal period (November 1 through December 31; and Update any changes to his/her registration information.
The MLO’s registration and employment status will be available to the public from the Registry.
A registered MLO will provide his or her unique identifier/NMLS Number: Upon request; Before acting as a MLO; and Through the initial written communication with a member/residential mortgage loan applicant.
MLOs routinely handle confidential member information, and have strict requirements for maintaining the confidentiality and non-disclosure of that information.

Nice To Haves

One (1) year as a Personal Banker or Consumer Lending Experience Specialist with Arizona Financial may be substituted for two (2) years’ experience in a financial institution.
Must be able to travel independently to departments and branch locations.

Responsibilities

Achieves individual sales goals and contribute to the success of the branch.
Listens to the concerns of a customer and be able to address their needs, emphasizing the features of products that help solve a member’s concern, problem, or future need.
Have effective conversations with members about additional loan protection products.
Develops and maintains interpersonal skills to work with a wide variety of people each while building relationships.
Uses consultative sales techniques to proactively offer products and services that are in the member's best interest to help them achieve financial success.
Completes service calls and/or other outbound call efforts.
Understands the offerings and provide referrals to business partners, including Elavon, Arizona Group, and Member’s Auto Center.
Opens all types of consumer accounts, including trusts.
Opens business accounts, including Simple Business Trusts, DBA, LLC, Corporation, Partnership, General Partnership, Non-Profit.
Manages a book of business to include new business and consumer accounts and assist with account servicing needs.
Serves as consumer lending expert for all loan types with emphasis in home equity and business credit card products: offer guidance, process applications, fund loans, and refer to 1st mortgage (MLO), Business Banking, and Commercial Loan teams when appropriate.
Creates relationships with new business members and serve as a relationship manager for their needs moving forward.
Maintains knowledge in all business banking operational procedures.
Engages a Senior Banker III when needed to complete more complex business account openings.
Speaks to the benefits of treasury management services and answer general questions.
Reviews and approves Power of Attorney documentation to authorize transactions.
Demonstrates leadership skills and coach/mentor peers as needed.
Serves as an escalation and problem resolution expert.
Responsible to open and close the branch in management’s absence.
Provides regular training and feedback to the branch staff about identifying and executes equity referral opportunities.
Responsible to make recommendations and actively partners with branch management and residential/commercial teams to ensure branch Equity loan, 1st Mortgage, and business referral goals are achieved.
May be required to attend offsite meetings with business banking members.
Completes cash audits as needed.
Maintains a good understanding of the check hold policy for consumer and business accounts to review and approves member checks.
Performs other job-related duties as assigned.