Personal Banker - Clearwater - Bilingual, Spanish Highly Preferred

GTE Financial•Clearwater, FL

3d•Onsite

About The Position

The Personal Banker (Member Relationship Officer) ensures members’ needs are met by conducting thorough financial assessments and recommending appropriate products and services to support their immediate and future financial goals. The role helps generate leads, build new member relationships, maintain existing relationships, and provide a positive member experience. The position combines business development and sales with member service and financial operations. Responsibilities include identifying suitable credit union products and services, originating new memberships, making referrals to investment, insurance, business services, and mortgage offerings, conducting financial transactions, and processing consumer loans. The role also supports mortgage applications, regulatory compliance, fraud-risk identification, community relationships, and ongoing education. This is a full-time position at a Community Financial Center, with scheduled hours Monday through Friday, 9:00 a.m. to 5:00 p.m. Additional hours may be required to accomplish objectives, goals, and projects. Bilingual English/Spanish ability is highly preferred.

Requirements

High school diploma or equivalent from an accredited institution.
1–2 years of experience in the financial industry or a related field, or a combination of education and experience.
Effective negotiation, sales, and relationship-building skills.
Demonstrated success prospecting, building a pipeline, and moving or closing sales opportunities.
Professional demeanor and ability to contribute to a proactive team environment.
Functional knowledge of the Bank Secrecy Act and other applicable federal laws.
Ability to qualify for NMLS registration according to the SAFE Act.

Nice To Haves

Some college.
Bilingual English/Spanish ability.

Responsibilities

Assess members’ financial needs and recommend appropriate products and services for their immediate and future goals.
Prospect for new business, build a sales pipeline, close sales opportunities, and originate new members through various sources.
Identify, recommend, and sell GTE Financial products and services to build engaged financial relationships.
Develop retention strategies for new and existing members as part of a team.
Generate referrals for investment, insurance, business services, and mortgage offerings.
Manage the sales floor by greeting members, directing them to appropriate areas, and ensuring their needs are met.
Gather information, analyze facts, and educate members on appropriate products and services to provide one-point resolution.
Review and underwrite loan applications, using sound judgment and clear, detailed authorization.
Follow audit and compliance procedures while maintaining a high level of member service.
Identify potential credit union loss risks by observing transactions for possible fraudulent activity.
Work with Community Development Officers to develop and strengthen community and Select Employee Group relationships.
Conduct member financial transactions, including originating, processing, and closing consumer loan products.
Identify suitable mortgage products, initiate the mortgage process, gather information for processors and underwriters, and follow up with internal partners and members.
Follow credit union guidelines, policies, procedures, compliance regulations, and security standards.
Ensure completion of regulatory compliance and training specific to sales and service responsibilities for staff.
Pursue continuous education to support personal growth and better serve members.
Participate in meetings, conference calls, and events as assigned.
Demonstrate functional knowledge of the Bank Secrecy Act and other relevant federal laws, including the U.S. Patriot Act, Office of Foreign Assets Control, Anti-Money Laundering, Right to Financial Privacy Act, and Bank Bribery Act.
Qualify for NMLS registration under the SAFE Act.