Personal Banker II

Arizona Financial Credit Union•Avondale, AZ

15h•Hybrid

About The Position

The position is responsible for all Teller, Senior Teller, and Personal Banker I accountability (Required to assist on the teller line, greet members in the lobby, and to assist members with all inquiry types and loan needs etc.). Essential Job Functions Achieves individual sales goals and contribute to the success of the branch by doing the following: Clearly 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. Must be able to demonstrate the ability to connect and build rapport quickly. Displays confidence and strong self-assuredness to ensure success while communicating with members. Uses consultative sales techniques to proactively offer products and services that are in the member's best interest to help them achieve financial success. This includes consultative analysis of credit profiles, account history etc. and makes recommendations regarding account and lending services. Proactively offers 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. (Calls will periodically be evaluated and recorded). 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 the following: 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. Sends new referrals and complex questions to a senior banker III. Understands the business banking platform benefits and functionality. Reviews and approves Power of Attorney documentation to authorize transactions. Must demonstrate must leadership skills and coach/mentor peers as needed. Serves as an escalation and problem resolution expert. Must be willing to take over escalated scenarios on behalf of peers. Must display the ability to make good business decisions. 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.

Requirements

High school diploma or general education degree (GED).
Two (2) years of 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.
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.
Must maintain MLO registration and ability to perform MLO functions, including annual renewal and updating registration information.
Must provide unique identifier/NMLS Number upon request, before acting as an MLO, and through initial written communication with a member/residential mortgage loan applicant.
Must maintain strict requirements for confidentiality and non-disclosure of member 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.
Business operational internet to complete work tasks and communicate via video call or chat messaging systems in a dedicated workspace (for employees who work from home).

Responsibilities

Assist on the teller line, greet members in the lobby, and assist members with all inquiry types and loan needs.
Achieve individual sales goals and contribute to branch success.
Listen to customer concerns and address their needs, emphasizing product features.
Have effective conversations about additional loan protection products.
Develop and maintain interpersonal skills to work with a wide variety of people and build relationships.
Connect and build rapport quickly with members.
Use consultative sales techniques to proactively offer products and services.
Complete service calls and/or other outbound call efforts.
Provide referrals to business partners.
Open all types of consumer accounts, including trusts.
Open business accounts, including Simple Business Trusts, DBA, LLC, Corporation, Partnership, General Partnership, Non-Profit.
Manage a book of business for new business and consumer accounts and assist with servicing needs.
Serve as consumer lending expert for all loan types, with emphasis on home equity and business credit card products.
Create relationships with new business members and serve as a relationship manager.
Maintain knowledge in all business banking operational procedures.
Engage a Senior Banker III for complex business account openings.
Speak to the benefits of treasury management services and answer general questions.
Send new referrals and complex questions to a senior banker III.
Understand business banking platform benefits and functionality.
Review and approve Power of Attorney documentation to authorize transactions.
Demonstrate leadership skills and coach/mentor peers.
Serve as an escalation and problem resolution expert.
Take over escalated scenarios on behalf of peers.
Make good business decisions.
Open and close the branch in management's absence.
Provide training and feedback to branch staff about identifying and executing equity referral opportunities.
Make recommendations and partner with branch management and residential/commercial teams to achieve referral goals.
Attend offsite meetings with business banking members (may be required).
Complete cash audits as needed.
Maintain understanding of check hold policy for consumer and business accounts.
Review and approve member checks.
Perform other job-related duties as assigned.