Personal Banker - Totowa (Full-time)

Provident Bank • Totowa, NJ

8d • $21 - $23 • Onsite

About The Position

The Personal Banker establishes relationships with customers and prospective customers, identifies and satisfies their financial needs, and provides a positive customer experience during branch interactions. The role combines financial transactions with sales and service duties, with daily responsibilities varying according to branch needs. Activities include opening and servicing accounts, cross-selling, tele-consulting, developing a book of business, processing transactions, conducting customer needs assessments, resolving account inquiries, and referring customers to other departments.

The position is responsible for meeting deposit, loan, revenue, sales, and referral expectations, as well as managing and balancing cash drawers. It also assists the Assistant Branch Manager with daily branch responsibilities, processes, end-of-day functions, and reporting. The Personal Banker works under general supervision and may be eligible to obtain Life and Health Licensing.

Requirements

• High school diploma or GED.
• At least 6 months of sales and service experience in a customer-facing retail environment.
• Strong interpersonal, listening, written, and verbal communication skills.
• Ability to work a flexible schedule based on business needs.
• Positive and professional demeanor with customers and coworkers.
• Strong math and analytical skills.
• Understanding of and adherence to safety and security practices.
• Good relationship-building skills.
• Ability to build strong customer connections through consultative conversations and present sales opportunities.
• Strong customer service and advocacy skills.
• Strong organizational and time-management skills.
• Strong PC skills and ability to learn computer programs, including Microsoft Office.
• Must register as a mortgage loan originator with the NMLS before taking mortgage loan applications or negotiating or extending terms of a mortgage or other loan secured by a residence.
• Willingness and ability to work required overtime and travel to other branches or locations.
• Flexibility and ability to adapt to new job locations and reassignments as directed.

Nice To Haves

• Prior retail banking experience.
• Life and Health Licenses to support the investment program.

Responsibilities

• Meet sales, referral, and cross-selling goals by understanding product and service features and benefits.
• Promote bank products and refer or resolve customer inquiries concerning accounts and banking services.
• Refer customers for commercial products and services to the branch manager, market manager, or appropriate business partner.
• Build and maintain customer relationships through active engagement, consultative needs assessments, and management and growth of a book of business.
• Identify opportunities with customers and prospective customers through lobby management.
• Assist customers with digital technologies and provide referrals to other lines of business.
• Support branch cost efficiency, customer service quality, and adherence to sales and brand standards.
• Ensure operational and financial safety and soundness in accordance with bank policies, compliance requirements, and applicable laws and regulations.
• Use lobby management to control and mitigate risk; establish customer identity and follow compliance procedures.
• Assist branch management with branch operations as needed.
• Perform financial transactions, including check cashing, withdrawals, deposits, and loan payments.
• Prepare and/or complete Currency Transaction Reports and Suspicious Activity Forms for appropriate transactions.
• Assist in training other branch employees.
• Support the contact center during high call volumes and handle customer inquiries by telephone.
• Provide access to safe deposit boxes.
• Assist the Assistant Branch Manager with daily branch responsibilities, end-of-day functions, and reporting.
• Manage and balance cash drawers.

Benefits

• Paid time off (PTO).
• Holiday PTO.
• Medical, dental, and vision plans.
• Flexible and Health Savings Accounts.
• 401(k) retirement plan.
• Disability insurance.
• Employee Assistance Program.
• Basic life insurance.
• Company-sponsored tuition disbursement and loan repayment programs.
• Voluntary supplemental life insurance, accident, critical illness, hospital indemnity, and legal plans.
• Incentive eligibility based on company, business, and/or individual goal achievement and performance.

What This Job Offers

• Job Type: Full-time
• Career Level: Entry Level
• Education Level: High school or GED