Personal Banker

Farmers State Bank•Marion, IA

About The Position

Performs a full range of Retail banking services for individual customers, with emphasis on personal financial needs, consumer loan, deposit and fee-based services. Meets with customers to discuss needs and identify/recommend solutions to needs. Makes consumer loans within lending authority. Opens and closes accounts. Assists customers with account needs and provides customer service. Willingly travels to other locations, when needed.

Requirements

High School Diploma or equivalent
1 to 3 years retail banking experience
Knowledge of banking regulations, policies and procedures
Mathematical skill set
Effective communication skills
Ability to cross-sell and refer products and services
Experience with Microsoft Office
Attention to detail
Good organizational skills
Ability to maintain confidentiality
Understanding of regulatory compliance
Ability to contribute in a team environment, ensuring that both individual and departmental goals are met

Nice To Haves

Additional education preferred

Responsibilities

Performs all activities related to the opening or closing of various types of time and demand deposit accounts, including certificates of deposit, NOW accounts, checking accounts and savings products.
Ensures applicable regulations, disclosures, policies and procedures are followed and is trained on depository compliance regulations.
Cross-sells Bank services to maximize customer relationship, based on customer need and aligned with the Bank's core values.
Performs periodic follow up with customers for additional services and to ensure customer satisfaction.
Takes credit applications for overdraft protection and consumer loans.
Provides quality, personalized service to ensure customer satisfaction and retention.
Develops new client relationships from referrals and makes referrals to Investment Representatives, Commercial Bankers and Mortgage Bankers as appropriate.
Ensures that applicable regulations, disclosures, policies and procedures are observed and credit quality is aligned with Loan Policy and credit quality guidelines.
Is a trained consumer lender, including HELOC lending.
Open/grants access to safe deposit boxes.
Verifies access authority against safe deposit contract for each request exercising prescribed controls.
Checks booth or conference room after each use.
Accepts and processes payments for new boxes, renewals, drilling fees and lost key fees.
Maintains safe deposit information to manual and computer systems according to established procedures.
Compliance with bank policies and procedures and federal and state laws/regulations.
Performs other tasks, as may be assigned.