Personal Banker II

First Bank•St. Pauls, NC

13d

About The Position

The Personal Banker II ensures customer needs are met by conducting thorough financial needs assessments and recommending appropriate products and services for customers’ immediate and future financial needs. Under direct supervision, this role generates leads, builds new customer relationships, and maintains existing relationships to deliver a strong customer experience. The position provides guidance and service both at the teller window and through needs assessment and sales. The job description identifies this level as generally based on 3 to 5 years of banking experience, or prior teller or customer-contact/sales experience, or equivalent. The Personal Banker II combines Personal Banker and Service Representative functions, supporting branch transactions and account and loan applications. The role serves customers in person and by telephone, supports multiple branch locations as needed, and follows operational, regulatory, security, and service standards.

Requirements

High school diploma or GED, or an equivalent combination of education and experience.
The position level is generally based on 3 to 5 years of banking experience, or previous teller or customer-contact/sales experience, or equivalent.
Intermediate knowledge of bank operations, products and services, related 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 operating computer terminals, personal computers, mainframe systems, word-processing and spreadsheet applications, and specialty software.
Exceptional verbal, written, and interpersonal communication skills, and the ability to use common sense to carry out instructions and instruct personnel.
A valid driver’s license.
Ability to stand, walk, sit, and use hands and fingers; vision, hearing, speech, dexterity, and visual concentration are also 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, work as a team member, interact effectively with coworkers and customers, exercise diplomacy and discretion, and make appropriate judgments.

Responsibilities

Coordinate Personal Banker and Service Representative functions to provide efficient, accurate, professional service.
Provide transactional support to the Service Area and perform dual-control functions as applicable.
Open personal and business accounts and prepare related documentation.
Input and close personal loan applications, including deposit-account lines of credit, credit cards, auto, boat, certificate-of-deposit, and other secured or unsecured personal loans.
Assist customers with requests, complaints, research, and follow-up concerning 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 related branch reports or processes.
Follow branch security procedures, including opening and closing procedures, personnel safety, and bank procedures.
Interact with customers by telephone and in person.
Support multiple branch locations as needed.
Generate and maintain profitable customer relationships while meeting and exceeding customers’ financial needs and expectations.
Meet activity, growth, and customer satisfaction objectives.
Conduct outbound calling and needs assessments as assigned by the Bank Manager to generate qualified referrals for alternative products, channels, and other lines of business.
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 knowledge of deposit and loan products.
Follow operational, regulatory, security, and compliance requirements and procedures to minimize losses.
Follow requirements and screening processes for opening deposit accounts and process loan applications in accordance with operational and regulatory requirements.
Follow branch internal policies and procedures to support successful internal audits.
Complete annual compliance courses and comply with corporate policies and applicable 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.