Personal Banking Officer - Fargo/Moorhead Market

Bell Bank • Moorhead, MN

82d

About The Position

A Personal Banking Officer provides basic support for personal banking services including account management, lending, and building a portfolio of banking clientele. This role involves managing customer relationships, offering tailored banking solutions, overseeing account management, and guiding customers through a comprehensive range of banking products to optimize their financial well-being.

Requirements

• Bachelor’s degree in business administration, finance, a similar field, or equivalent experience.
• 3-5 years of customer service and/or account management experience.
• 3 years of experience in a banking, financial, or professional setting.
• Must possess active NMLS#.
• Experience using Microsoft products: Outlook, Word, and Excel.

Nice To Haves

• High attention to detail.
• Strong communication skills.
• Familiarity with savings, checking, and lending policies and guidelines.
• Familiarity with banking laws, rules, and regulations.

Responsibilities

• Delivers exceptional customer service by engaging with customers in a professional, friendly, and efficient manner.
• Handles escalated or complex customer issues, such as account discrepancies, credit concerns, or service complaints.
• Manages relationships by offering personalized banking solutions.
• Ensures compliance with policies and regulations for more complex transactions.
• Helps identify potential risks/fraud.
• Audits accounts for overdrafts, collections and technical exceptions for assigned customer accounts.
• Solicits, originates, underwrites, and closes consumer loans.
• Conducts professional customer meetings with current and prospective customers to assess their financial needs and objectives.
• Educate customers on loan features, interest rates, fees, repayment schedules, and potential penalties.
• Assesses applicant’s financial stability, credit history, and repayment capacity to determine loan eligibility.
• Recommends appropriate loan amounts, interest rates, and repayment schedules based on the borrower’s needs and risk profile.
• Analyzes financial statements, debt-to-income ratios, and collateral value to ensure responsible lending.
• Finalizes loan agreements, ensures compliance with banking regulations, and facilitates timely fund disbursements.
• Identifies early signs of delinquency and assists borrowers with restructuring options when necessary.
• Follows up on late payments and collaborates with collections teams to minimize financial losses.
• Handles basic customer requests, such as low-value transactions, simple loan approvals, or resolving simple disputes.
• Actively identifies cross-selling opportunities and works to grow the bank’s portfolio by recommending financial products and services tailored to customer needs.
• Meets individual goals and assists in meeting branch goals.
• Knows by name and face as many customers and employees as possible.
• Conducts activities consistent with established Bell Bank policies, procedures and systems.
• Performs other duties as assigned.

What This Job Offers

• Education Level: Bachelor's degree
• Number of Employees: 501-1,000 employees