Personal Banker

CENTRAL BANK FL•Winter Park, FL

20d

About The Position

The Personal Banker builds, maintains, and deepens relationships with consumer and small business customers by providing exceptional service, identifying financial needs, and recommending appropriate banking solutions. The role combines relationship management, new account sales, teller transactions, and branch operations support to deliver a superior customer experience and contribute to branch growth, deposit acquisition, and profitability. The Personal Banker supports customer relationships and sales, processes transactions, assists with daily branch operations, and supports team members and branch management. The role also requires compliance with bank policies and applicable regulations, protection of customer information, and attention to fraud prevention and operational controls. Success is measured by customer satisfaction and retention, account and deposit growth, product penetration, referrals, transaction accuracy, compliance and audit results, achievement of branch sales goals, operational efficiency, and teamwork.

Requirements

High school diploma or equivalent.
One to three years of banking, retail sales, financial services, or customer service experience.
Cash handling and transaction processing experience.
Strong sales and relationship-building abilities.
Excellent verbal and written communication skills.
Proficiency with Microsoft Office and banking technology platforms.

Nice To Haves

Associate's or bachelor's degree in Business, Finance, or a related field.
Previous new account or Personal Banker experience.
Knowledge of consumer lending and deposit accounts.
NMLS registration or ability to obtain it as required.

Responsibilities

Develop and maintain relationships with new and existing consumer and small business customers.
Conduct financial conversations to identify customer goals and recommend appropriate banking products and services.
Provide personalized solutions for deposit accounts, consumer loans, debit cards, online banking, and treasury management services.
Proactively contact customers to deepen relationships and expand product utilization.
Resolve customer concerns professionally and support a positive banking experience.
Open and maintain consumer and business deposit accounts accurately and in compliance with requirements.
Promote and cross-sell products and services based on customer needs, contributing to branch sales, deposit growth, and customer retention goals.
Identify and refer opportunities to mortgage, commercial lending, wealth management, and other specialized banking areas.
Help customers use online banking, mobile banking, debit cards, and electronic banking services.
Process deposits, withdrawals, payments, transfers, check cashing, and other financial transactions accurately.
Balance an assigned cash drawer and maintain appropriate cash controls.
Process official checks, cashier's checks, money orders, stop payments, and account maintenance requests.
Accept loan, installment, and collection payments.
Follow security and operational procedures while maintaining transaction accuracy.
Support daily branch operations, including vault balancing, cash shipments, and operational reports.
Assist with safe deposit box administration and customer access procedures.
Process account documentation, maintain records, scan documents, and prepare operational reports.
Support branch audits, operational reviews, and internal control procedures.
Assist with balancing branch cash and maintaining operational integrity.
Serve as a resource for less experienced team members and assist with training and onboarding new employees.
Support branch management in achieving service, sales, and operational objectives.
Promote teamwork, accountability, and a customer-focused culture.
Comply with bank policies, procedures, and applicable regulatory requirements, including BSA/AML, OFAC, CIP, Regulation CC, and Regulation E.
Protect customer information and maintain confidentiality.
Identify and report suspicious activity and potential fraud, and maintain strong internal controls.
Develop effective working relationships with customers, branch personnel, lending teams, operations staff, and management.