Personal Banker II

F&M Bank•Troy, MI

12d•Onsite

About The Position

The Personal Banker II serves as a customer ambassador for F&M, providing personalized banking services primarily through face-to-face interactions and other channels. The role builds and maintains customer relationships by understanding customers’ financial needs, explaining relevant products and services, and referring customers to appropriate bank resources. The banker opens and services deposit accounts, processes routine financial transactions, and maintains accurate records. At level two, the role also handles consumer lending and servicing needs and serves as the office subject matter expert for business accounts. The position supports customer and office profitability goals through referrals, cross-selling, and new business generation. It includes reviewing and compiling applications and documentation for credit cards, personal loans, and auto loans for approval or denial within lending authority and bank policy. The role also provides account support, responds to inquiries, addresses difficult transactions, and follows applicable bank policies and regulatory requirements, including BSA, AML, OFAC, and USA PATRIOT Act requirements. The position is scheduled Monday through Saturday, generally with a day off, and may require occasional extended hours based on business needs. Employees may occasionally be asked to work at another location to meet 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

Three to five years of retail banking experience preferred.

Responsibilities

Understand bank products and services and customers’ existing relationships, then recommend relevant products and services based on customer needs.
Evaluate prospective customers’ needs and offer appropriate financial products and services using BN Control.
Prepare and compile customer information and documentation to open deposit accounts, including signature cards, new-account sheets, check orders, direct deposits, and automatic bill pay.
Open, close, and service deposit products, including certificates of deposit and IRAs, and process deposits, partial withdrawals, distributions, and contributions as applicable.
Refer customers to Home Loan Originators, schedule appointments, and educate customers about home loan products.
Provide ongoing account relationship servicing, inform customers of account status or enhancements, and suggest resolutions for account disputes and other activity.
Respond promptly to customer inquiries and requests and resolve difficult customer transactions and situations.
Promote and cross-sell bank products and services, including FM Investments, when appropriate to customer needs.
Generate new business to support office profitability and production goals set 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 applications and analyze and compile information and documentation for credit cards, personal loans, and auto loans for approval or denial within authorized lending authority and bank policy.
May perform responsibilities listed in the Teller and Personal Banker I job descriptions.
Identify customer needs, explain products and services, and refer customers to branch representatives.
Meet or exceed partner referral and sales production goals set by retail leadership.
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 and regulatory requirements and satisfactorily pass related tests.
Follow BSA, AML, OFAC, USA PATRIOT Act, customer identification, and customer due diligence requirements, including accurate CTR completion when applicable and reporting suspicious activity to the BSA Department.
Perform other duties as assigned.