Retail Banking Officer

First Bank & Trust • Brookings, SD

1d

About The Position

This person shall be responsible for developing and managing deposit and consumer loan accounts that meet established requirements to provide maximum profitability to the bank with minimum risk. Qualifications: This person should have a bachelor’s degree and two years of related experience or the equivalent. This person should possess excellent verbal and written communication skills, have a well rounded banking knowledge, and have the ability to satisfy the banking needs of the customer. Principal Responsibilities: Responsible for developing new and maintaining existing relationships that are profitable to the bank. Actively communicate with and provide excellent customer service to existing customers to strengthen retention. Work with resources provided to develop new customer relationships; including mortgage group, business banking group, ag group, brokerage/trust, construction department, existing customers, etc. By being a product and process expert, sell and cross-sell products and services to consumer and commercial customers/prospects that are profitable to the bank. Following Loan Policy and Guidelines, originate, underwrite, and close consumer loans. Monitor and maintain both the deposit and credit portfolios of customer households for quality and potential risk. If necessary, follow through on collection efforts, using all legal means as required by Loan Policy and Guidelines. As coordinated by the Retail Branch Manager, conduct weekly surveys of competitors deposit rates and special offerings. Update internal rate chart and distribute to appropriate bank personnel. Receive and verify domestic wire instructions from customers and transmit that information to the Accounting department. Act in accordance with FBT policies and procedures as set forth in the employee handbook. Adhere to compliance procedures and participate in required compliance training and all meetings deemed appropriate by supervisor. Be involved in professional and non-profit organizations outside of the bank to help maintain the positive reputation of the bank. Compensation Grade Hourly Grade 5 First Bank & Trust is an Equal Opportunity, Affirmative Action employer. All qualified applicants will receive consideration for employment without regard to race, color, religion, sex, sexual orientation, gender identity or expression, national origin, disability, or status as a protected veteran. Read our complete Equal Employment Opportunity Policy Statement. Applicants who would like to request reasonable accommodation to the application or interview process should call Human Resources at 800.843.1552 or email [email protected]. We invest in our people: Our communities have contributed to the success of our business and our families. In turn, this allows us to contribute to the success of our communities. We have remained an independent community institution over the years and employ almost 700 people. Our employees are like family (they’re also part owners). Not only is working for us rewarding, but you’ll also be a part of a positive culture and company that gives back to the community. Our Benefits: Comprehensive Healthcare Benefits Peace of mind when it comes to you and your family's well-being with generous health, dental, vision, and life insurance. Plus, optional access to additional life, disability, and other forms of insurance. 401(k) & ESOP Profit Sharing Employees are owners. Receive a match of up to 7% of your contributions to your retirement account. Wellness Program The Healthy Way Program incentivizes gym membership and hosts educational programs and challenges throughout the year. Education Student loan repayment assistance program. Tuition reimbursement. A robust internal training program that goes beyond onboarding. We want you to continue learning. That's why we offer job shadowing, a mentorship program, and more. Volunteer Service Hours Paid time to volunteer. Employees get 16 hours to take part in and donate their time to local charities. In-house Childcare & Preschool Kid's World childcare and preschool in Brookings is available for the children and grandchildren of employees. Our Culture: We value our culture and work hard to keep it top of mind at all times. Employees rally around 9 core principles, creating a collaborative and enjoyable work experience for all. During the onboarding process, all new employees attend a culture camp, which is led by the CEO and the Chairman of the Board. Work for us: Our employees enjoy working together and treat eachother (and customers) like family. Check out our career opportunities, and join a company that cares about its people and community.

Requirements

• This person should have a bachelor’s degree and two years of related experience or the equivalent.
• This person should possess excellent verbal and written communication skills
• Have a well rounded banking knowledge
• Have the ability to satisfy the banking needs of the customer

Responsibilities

• Responsible for developing new and maintaining existing relationships that are profitable to the bank.
• Actively communicate with and provide excellent customer service to existing customers to strengthen retention.
• Work with resources provided to develop new customer relationships; including mortgage group, business banking group, ag group, brokerage/trust, construction department, existing customers, etc.
• By being a product and process expert, sell and cross-sell products and services to consumer and commercial customers/prospects that are profitable to the bank.
• Following Loan Policy and Guidelines, originate, underwrite, and close consumer loans.
• Monitor and maintain both the deposit and credit portfolios of customer households for quality and potential risk.
• If necessary, follow through on collection efforts, using all legal means as required by Loan Policy and Guidelines.
• As coordinated by the Retail Branch Manager, conduct weekly surveys of competitors deposit rates and special offerings.
• Update internal rate chart and distribute to appropriate bank personnel.
• Receive and verify domestic wire instructions from customers and transmit that information to the Accounting department.
• Act in accordance with FBT policies and procedures as set forth in the employee handbook.
• Adhere to compliance procedures and participate in required compliance training and all meetings deemed appropriate by supervisor.
• Be involved in professional and non-profit organizations outside of the bank to help maintain the positive reputation of the bank.

Benefits

• Comprehensive Healthcare Benefits Peace of mind when it comes to you and your family's well-being with generous health, dental, vision, and life insurance. Plus, optional access to additional life, disability, and other forms of insurance.
• 401(k) & ESOP Profit Sharing Employees are owners. Receive a match of up to 7% of your contributions to your retirement account.
• Wellness Program The Healthy Way Program incentivizes gym membership and hosts educational programs and challenges throughout the year.
• Education Student loan repayment assistance program. Tuition reimbursement. A robust internal training program that goes beyond onboarding. We want you to continue learning. That's why we offer job shadowing, a mentorship program, and more.
• Volunteer Service Hours Paid time to volunteer. Employees get 16 hours to take part in and donate their time to local charities.
• In-house Childcare & Preschool Kid's World childcare and preschool in Brookings is available for the children and grandchildren of employees.

What This Job Offers

• Job Type: Full-time
• Career Level: Entry Level