AVP, Personal Banking Officer

Ocean Bank•Miami, FL

6h•Onsite

About The Position

The Personal Banking Officer (Brickell) delivers personalized service and support across customer engagement, relationship management, and account maintenance within the branch. The role assists with client relationships and a range of banking functions, including customer transactions, loan processing, credit analysis, overdraft and returned-item handling, and administrative tasks. The officer must ensure compliance with applicable Customer Identification Program (CIP) and Bank Secrecy Act/Anti-Money Laundering (BSA/AML) requirements.

Requirements

Associate’s degree in Business (Finance or Accounting).
At least 4 years of banking experience directly related to servicing customers in retail banking branch operations; a combination of education and experience will be considered.
Ability to understand and implement job-related policies and procedures.
Knowledge of internal bank operations, including wire transfers, debits and credits, and loan payments, and of banking products for cross-selling.
Ability to handle financial transactions, detect fraud, and resolve customer disputes.
Experience working in a sales-and-service team and advocating for high-quality service.
Knowledge of KYC completion.
Understanding of banking laws and applicable compliance regulations.
Excellent verbal and written communication, interpersonal, and organizational skills.
Proficiency in MS Office software, including Excel, Word, Outlook, PowerPoint, and Teams.

Nice To Haves

Bachelor’s degree in Business Administration (Business or Finance preferred) with two years of banking experience directly related to servicing customers in retail banking branch operations.

Responsibilities

Grow and manage a personal portfolio while supporting branch growth goals for DDA, deposits, loans, and referrals.
Assist with opening and servicing personal and business accounts, ensuring documentation is complete and accurate.
Understand customers’ backgrounds, identify potential customers’ needs, and communicate solutions and product benefits clearly.
If licensed as an MLO, support HELOC applications and loan servicing.
Meet annual production goals, which may include DDA and deposit growth, new loan production, loan portfolio growth, credit card referrals, and referrals for other cross-sold products.
Approve overdrafts, wire transfers, and over-the-counter transactions within authorized limits.
Support daily branch operations, including opening and closing procedures.
Identify customer needs and recommend appropriate banking products and services.
Collaborate with internal partners, such as Residential Mortgage and Treasury Management, to generate qualified referrals.
Maintain up-to-date KYC profiles and ensure compliance with BSA/AML regulations.
Provide customer services including account maintenance, document preparation, and issue resolution.