Personal Banker II

Arizona Financial Credit Union • Phoenix, AZ

3h • Hybrid

About The Position

The Personal Banker II position is responsible for all Teller, Senior Teller, and Personal Banker I accountability, including assisting on the teller line, greeting members in the lobby, and helping members with all inquiry types and loan needs. The role involves achieving individual sales goals, proactively offering products and services using consultative sales techniques, and managing a book of business for new and existing consumer and business accounts. This position also serves as a consumer lending expert for all loan types, with an emphasis on home equity and business credit card products, providing guidance, processing applications, and funding loans. The Personal Banker II is expected to create and manage relationships with new business members, maintain knowledge in business banking operational procedures, and engage Senior Banker IIIs for complex business account openings. Furthermore, the role requires demonstrating leadership skills, coaching/mentoring peers, serving as an escalation and problem resolution expert, and potentially opening and closing the branch in management’s absence. The individual will also provide training and feedback to branch staff on identifying and executing equity referral opportunities and partner with branch management to achieve loan and referral goals. Occasional offsite meetings with business banking members and cash audits are also part of the responsibilities.

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, 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.
• Prior to performing MLO duties, the registration process requires a MLO applicant to submit fingerprints to the NMLS for an FBI criminal background check.
• Prior to performing MLO duties, the registration process requires a MLO applicant to 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.
• 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).
• To maintain MLO registration and the ability to perform these functions, a MLO must update any changes to his/her registration information.
• MLOs routinely handle confidential member information, and have strict requirements for maintaining the confidentiality and non-disclosure of that information.

Responsibilities

• Achieves individual sales goals and contribute to the success of the branch.
• 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.
• 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.
• 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, and 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 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.

What This Job Offers

• Career Level: Mid Level
• Education Level: High school or GED