Personal Banker

Valley Bank•Cranford, NJ

4h•Onsite

About The Position

The Personal Banker is responsible for delivering exceptional customer service in line with Valley's mission. This role involves educating customers on all bank products and services, cross-selling various offerings, and analyzing financial needs to recommend appropriate solutions. Key duties include opening new accounts (checking, savings, CDs, IRAs), discussing and selling loan products, and promoting/demonstrating online and mobile banking. The Personal Banker is expected to meet service quality standards, participate in sales referral processes, and assist management in coaching branch staff. Additionally, the role requires performing customer transactions efficiently using technology, maintaining and balancing a cash box, and acting as a Vault Teller to manage branch cash. Participation in community events and support for CRA initiatives are also part of the responsibilities. The Personal Banker must report significant matters to management and maintain compliance with the Bank's Code of Conduct and all policies and procedures.

Requirements

Excellent verbal and written communication.
Ability to write correspondence and appropriately and accurately demonstrate products and services to customers.
Excellent interpersonal - customer service skills, attentiveness, information retention, tact and diplomacy in dealing with both customers and employees.
Strong analytical, problem solving, and decision-making skills to effectively uncover and resolve complex customer issues.
Ability to make sound decisions which include making on-the-spot decisions regarding customer transactions; weighing customer satisfaction issues with the Bank exposure to loss or fraud and the ability to think through and rationalize decisions.
Ability to interpret a variety of instructions furnished in written, oral, diagram or scheduled form.
Provides deep understanding of Retail Banking and strong Customer Service Skills with the ability to engage customers in conversation regarding products and services.
Detail oriented, strong organizational skills, and high degree of accuracy.
Ability to manage multiple projects simultaneously.
Proficient computer skills.
High School diploma or GED and minimum 1 year of business services experience in branch banking and knowledge of branch operations or successful completion of a Valley Retail training program.

Nice To Haves

Associates or Bachelor's degree with concentration in accounting, business, finance, economics or a related field is preferred.
FIS/IBS (Integrated Banking Solutions).

Responsibilities

Responsible for providing exceptional customer service in accordance with Valley's mission statement. Ability to engage customers with friendly and professional service.
Knowledge of all Bank products and services and ability to educate and demonstrate customers on such, as well as cross sell various products and services.
Ability to present a confident and professional demeanor to establish trust and gain knowledge from the customer. Analyze needs and recommend appropriate products and services.
Meets with customers to analyze financial needs and maximize sales opportunities. Offers all bank products and assists with other service needs, opens new accounts, i.e., checking, savings, certificate of deposit and IRAs, discusses/sells loan products to existing and prospective customers and possesses knowledge of on-line banking and mobile banking abilities to promote and demonstrate to customers.
Responsible for meeting customer expectations and achieving service quality standards. Participates/oversees the sales referral process ensuring customer financial needs are met and assists management in coaching and mentoring branch staff members.
Ability to perform all transactions required by a customer and use appropriate technology to provide services most effectively and efficiently. Maintain and balance a cash box. Ability to utilize technology such as Teller Scanning Equipment, Cash Recycling and Cash Dispensing machines and support customers in the use of Coin Machines.
Act as Vault Teller ensuring adequacy of Branch cash for daily transactions by assisting the branch staff in ordering and shipping currency - coin and controlling - distributing cash to Tellers in prescribed limits.
Assists in community events (i.e., Habitat for Humanity) etc. Participates in and supports CRA initiatives, activities and programs.
Report all significant matters, issues and unusual customer activity to Manager maintaining personal knowledge of compliance and regulatory requirements.
Maintains knowledge and compliance with the Bank's Code of Conduct and all policies and procedures.