Personal Banking Officer- Online Branch

Bell Bank•Fargo, ND

About The Position

This position is responsible for cultivating new relationships and maintaining existing deposit and loan relationships by identifying customer needs and cross-selling other retail banking products and services. This position meets various customer requests through a high level of personal contact and by referring customers to other bank departments for additional services.

Requirements

Need to acquire an NMLS#
Complete familiarity with the Bank’s savings, checking, and lending policies and guidelines, as well as specific loan programs, qualifications, and insurance.
Responsible for the knowledge and application of banking laws, rules, and regulations, prescribed practices, and ethical standards that are applicable to their position.
Accuracy and high attention to detail.
Ability to present oneself professionally at all times.
Ability to work flexible hours to include evenings and Saturdays (when applicable).

Responsibilities

Customer Service and Customer Retention:
Counsel customers regarding financial matters, advising them on products and rates, suggesting a strategy to obtain the best results based on individual desires and resources.
Resolve customer problems, obtaining information, researching records and following up on details to resolve the matter to the customer’s satisfaction, whenever possible.
Increase customer relationships by cross-selling products and services to new and existing customers.
Production:
Process online deposit accounts.
Onboard new customer
Follow up call
Cross-sell - Educate and advise on bank products and services through personal contact; loans, checking, savings, certificate of deposits, individual retirement accounts, and other retail banking services.
Process online loan applications.
Manage loan portfolio with emphasis in the growth of the portfolio.
Process Bridge loans and Simultaneous 2nd’s for mortgage customers.
Responsible for the daily handling of overdrafts, collections and technical exceptions on assigned customer accounts.
Lender Support:
Serve as a first level of end user telephone support for Signature UI, Nautilus, DocuSign, nCino, and Retail Lending BellShare Site, maintaining a thorough knowledge of policy and procedure, and compliance regulations.
Answer phones promptly and return calls in a timely manner, while providing consistent, accurate answers to team member inquiries. Provide next step guidance for retail lending processes. Provide backup support to other departments/areas of the bank as needed.
Record Lender Support calls, including description of guidance provided to support tracking for any necessary follow up training.
Potentially Flex coverage at branches as needed.
Sales Programs:
Actively participate in the Ask Program.
Participate in various professional associations and community activities to enhance the Bank’s visibility and to further personal development.
Training / Development:
Attend and actively participate in training sessions as scheduled.
Attend all mandatory security training sessions.
Complete online compliance testing quarterly.
Attend Customer Service and Retail Lending Meetings
Volunteer for at least one Bell Bank event per year.
Know by name and face as many customers and employees as possible, calling them by name as often as possible.
Know and practice LOCBUTN, our Golden Rules, and Bell Bank Customer Service Standards.
Know, understand, and live the company values and bottom line.
Conduct activities consistent with established Bell Bank policies, procedures and systems, the Bell Bank Employee Conduct policies, the Bank Secrecy Act and all applicable state and federal laws and regulations.
All employees are responsible for information security, including compliance with policies and standards which protect sensitive information.
Prompt and reliable attendance.
Perform other duties as assigned.