Personal Banking Officer - Peoria, AZ - Arrowhead

Bell Bank•Peoria, AZ

15d•Onsite

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.
High attention to detail.
Strong communication skills.
Familiarity with savings, checking, and lending policies and guidelines, as well as specific loan programs, qualifications, and insurance.
Familiarity with banking laws, rules, and regulations, prescribed practices, and ethical standards that are applicable to their position.
Ability to work flexible hours to include mornings, evenings, and Saturdays (branch specific) as scheduled.

Responsibilities

Delivers exceptional customer service by engaging with customers in a professional, friendly, and efficient manner. Must maintain a high standard of professionalism in all interactions and responsibilities.
Handles escalated or complex customer issues, such as account discrepancies, credit concerns, or service complaints. They work to resolve these issues efficiently and maintain customer satisfaction.
Manages relationships by offering personalized banking solutions. They may proactively reach out to customers to deepen relationships and address unique needs.
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, and follow up with customers as appropriate.
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 in a transparent manner.
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, ensure compliance with banking regulations, and facilitate timely fund disbursements.
Identify early signs of delinquency and assist borrowers with restructuring options when necessary.
Follows up on late payments and collaborate with collections teams to minimize financial losses.
Handles basic customer requests, such as low-value transactions, simple loan approvals, or resolving simple disputes.
Has basic knowledge of banking products, including loans, lines of credit, retirement accounts. They can recommend and customize solutions for customers based on financial goals.
Actively identifies cross-selling opportunities and works to grow the bank’s portfolio by recommending financial products and services tailored to customer needs.
Meet individual goals and assist in meeting branch goals.
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.