Personal Banker

CB&S Bank•Trenton, GA

About The Position

The Personal Banker manages and develops consumer and residential loan accounts in accordance with lending requirements, working to maximize profitability and minimize risk. The role contributes to bank growth through lending, business development, customer relationship management, and referrals. It also performs Universal Banker functions, including opening and servicing accounts, processing deposits, explaining bank products, and helping customers with account needs. The position interviews loan applicants, analyzes financial information, makes decisions within established lending authority, and presents requests beyond that authority to the loan review committee. It manages an assigned loan portfolio, monitors delinquent loans, supports sound banking practices, and promotes the bank’s services to existing and prospective customers. The Personal Banker also provides a full range of branch services, maintains compliance with policies and procedures, completes required training, and represents the bank in community and civic activities. The role requires customer service, business development, lending judgment, and the ability to communicate and assess complex financial information. Travel to various locations to meet with customers and bank personnel is required. The employee is expected to work professionally, maintain confidentiality, comply with applicable regulations and bank policies, and meet specified service and loan-processing standards.

Requirements

One to two years of retail banking or relevant clerical, administrative, cash-handling, or customer-service experience.
One to two years of consumer and residential lending experience.
Proven knowledge of loan policies and procedures.
Ability to interact with customers professionally and in a friendly manner.
Ability to work independently, establish priorities and procedures, and meet established goals.
Proven ability to motivate staff in sales.
Strong personal leadership and organizational skills.
Excellent verbal and written communication skills, including listening effectively and communicating complex issues.
Ability to analyze and summarize complex financial information, present it, communicate its contents, and recommend appropriate courses of action.
Ability to travel to various locations to meet with customers and bank personnel.
Strong business development, customer relations, and decision-making skills.
Ability to maintain highly confidential information.
Honesty, courtesy, respect, and professional conduct.
Ability to follow company policies and procedures and state and federal regulations.

Nice To Haves

Bachelor’s degree from an accredited college with a concentration in accounting or finance, or equivalent business-related experience.

Responsibilities

Manage and develop consumer and residential loan accounts while meeting lending requirements and maintaining profitability.
Interview loan applicants, analyze financial information, make loan decisions within assigned authority, and submit requests above that authority to the loan review committee.
Manage and service an assigned consumer and residential loan portfolio using sound banking practices.
Service existing residential loan accounts and expand customer relationships through cross-selling and referrals.
Monitor past-due loans, contact customers when appropriate, and implement plans to reduce past-due loans and non-earning assets.
Promote bank products and services to existing and prospective customers and participate in the bank’s officer call program.
Make business development calls and proactively seek prospects for new business.
Provide customer services including opening and processing new and existing accounts, explaining products and services, and gathering customer information.
Receive deposits, establish retirement accounts and direct deposits, and complete arrangements for special services such as foreign currency exchanges.
Refer loans, outside lines of business, and other bank services to appropriate specialists.
Carry out client retention strategies and assist customers with account questions and problems.
Open and close the office according to established security procedures.
Perform specialized transactions, including preparing cashier’s checks and personal money orders and issuing traveler’s checks.
Ensure compliance with internal controls, policies, procedures, and applicable regulations; complete required monthly and quarterly training.
Accurately process or report garnishments, tax levies, subpoenas, counterfeit currency, mail, night deposit logs, and negotiable instrument logs according to branch procedures.
Represent the bank in community affairs and civic organizations and assist branches with consumer and residential loan customers.
Occasionally assist commercial customers with initial loan requests.
Authorize official checks, expense checks, money orders, charge-offs, and overdrafts as permitted by procedures.
Balance the assigned cash drawer; identify customers, validate and cash checks, accept deposits, and verify deposit slip accuracy.
Perform other duties assigned by the supervisor.
Perform responsibilities accurately and promptly, maintain acceptable attendance, and work effectively with coworkers, vendors, and customers.
Maintain confidentiality and professionalism, return phone calls the same day when possible, and act on loan requests within the stated timeframes after receiving required information.
Maintain loan exceptions at or below the level specified by loan policy and procedures.