Personal Banker II

F&M Bank•Troy, MI

9d•Onsite

About The Position

The Personal Banker II serves as a customer ambassador, providing exceptional banking service primarily through face-to-face customer interactions and other channels. The role builds and maintains customer relationships, learns customers’ transaction requirements and financial goals, and explains or refers products and services that fit their needs. It handles deposit account openings and routine financial transactions accurately and efficiently, maintains transaction records, and provides ongoing account servicing and assistance with disputes. At level two, the position also handles consumer lending and related servicing needs and serves as the office subject matter expert for business accounts. The Personal Banker II analyzes and compiles application materials for credit cards and personal and auto loans, then makes approval or denial decisions within the approved lending authority and bank policy. The role supports office profitability and production goals, provides referrals to home loan originators and other bank representatives, and complies with applicable bank policies and financial regulations. The position is scheduled Monday through Saturday, generally with a day off, and may involve occasional extended hours to meet business needs. The employee may occasionally be asked to work at another location to address staffing needs.

Requirements

High school diploma.
Basic math and computer skills.
Working knowledge of banking and financial products and services.
Cash-handling experience.
Excellent communication, customer service, and time-management skills.
Ability to pass a background check.
Strong dedication to accuracy and efficiency.
Valid driver’s license.
Personal Banker Certificate.
Notary Public Commission.

Nice To Haves

3–5 years of retail banking experience preferred.

Responsibilities

Understand bank products, services, and customers’ existing relationships; identify customer needs and recommend or refer suitable products and services.
Evaluate prospective customers’ needs and offer appropriate financial products and services using BN Control.
Prepare customer information and documentation to open deposit accounts, including signature cards, new account sheets, check orders, direct deposit, and automatic bill pay.
Open and service deposit products, including certificates of deposit and IRAs; handle applicable openings, closings, deposits, withdrawals, distributions, and contributions.
Refer customers to Home Loan Originators, schedule appointments, and provide information about home loan products.
Provide ongoing account servicing, advise customers about account status or enhancements, and assist with disputes and account activity concerns.
Respond promptly to customer inquiries and requests and resolve difficult transactions and customer situations.
Promote and cross-sell bank products and services, including FM Investments, as appropriate to customer needs.
Generate new business and meet office profitability, partner-referral, and sales-production goals established by retail leadership.
Answer telephone calls, take messages, provide information, and direct calls to appropriate staff.
Greet bank visitors, provide information, and direct them to appropriate staff.
Take and analyze applications and compile documentation for credit cards, personal loans, and auto loans; approve or deny applications within delegated lending authority and bank policy.
Perform responsibilities also outlined in the Teller and Personal Banker I job descriptions, as applicable.
Open requested accounts in accordance with bank guidelines.
Track, record, report, and store transaction information and special requests.
Provide a high level of customer service and assistance.
Comply with applicable bank policies, procedures, regulatory requirements, and required compliance testing.
Follow BSA, CTR, AML, OFAC, USA PATRIOT Act, customer identification, and customer due diligence requirements, and report suspicious activity to the BSA Department.
Perform other duties as assigned.