Personal Banker Jobs

About The Position

Requirements

• High school degree or equivalent.
• At least two years of personal banking experience.
• Proven sales and customer service experience.
• Ability to handle cash transactions and proficiency working with U.S. currency.
• General understanding of consumer and mortgage lending.
• Ability to take loan applications and close loans.
• Professional communication skills, including the ability to tailor messages to the audience and situation.
• Ability to communicate effectively and succinctly in writing, with professional spelling and grammar.
• Professional demeanor, appearance, and presence appropriate to the workplace and industry.
• Ability to maintain constructive working relationships with internal partners and take a solutions-focused approach.
• Sound professional judgment to balance organizational and customer interests and use resources to mitigate risk.
• Cold-calling sales ability and an assertive, positive, persistent style.
• Proficiency with Microsoft 365 products and applications, including preparing or reviewing documents, procedures, and reports.
• Ability to learn new systems and applications and adapt responsibilities or workflows following system upgrades.
• Ability to travel occasionally to other First American Bank locations for branch assistance, audits, and training.
• Ability to work a typical 36–40-hour schedule with shifts during the stated weekday and Saturday hours; additional hours may be required.
• Punctuality.

Nice To Haves

• College degree in business or a related field.
• Prior leadership experience.
• Registration with the Nationwide Mortgage Licensing System & Registry (NMLS) may be required for the employee.

Responsibilities

• Source, develop, and manage meaningful relationships with new and existing customers; identify customer needs and explain personal banking products.
• Proactively contact customers to review and deepen banking relationships and recommend additional products and services.
• Take Home Equity and other retail loan applications, close loans, and refer mortgage opportunities to internal partners.
• Mentor branch colleagues on sales conversations and customer relationship development.
• Plan and deliver tailored sales presentations and partner with Business Banking, Wealth Management, Treasury Management, and Merchant Services.
• Participate in outbound calling, community events, and other activities to increase market awareness; meet or exceed assigned sales goals.
• Participate in customer service phone queues, research and review transactions, and direct customers to appropriate resources.
• Manage customer experience and resolve sensitive or complex service issues while modeling service standards for colleagues.
• Lead servicing for personal banking matters, including mortgages, retail loans, IRAs, trust accounts, estates, and commercial accounts.
• Use tools and customer data to make tailored recommendations and maintain a pipeline of customer conversations and opportunities.
• Open, maintain, and close consumer, business, and IRA deposit accounts; perform daily personal banking tasks and assess transaction documentation and requests.
• Educate customers about online banking, mobile banking, and other servicing technology.
• Serve as an expert in bank systems and assist colleagues with troubleshooting.
• Provide teller services, including balancing a teller drawer, processing customer transactions and cash advances, depositing currency, and ordering coin.
• Follow company policies and procedures and open or close the branch as needed.
• Identify transaction risks and escalate suspicious activity using compliance and fraud training.
• Lead and execute internal audits in accordance with bank policies and procedures.
• Promote teamwork, coach and develop less experienced colleagues, and serve as a professional role model.
• Travel occasionally to other bank locations to assist with or audit branches and bank functions and to attend training.
• Maintain punctuality and work additional hours as needed for phone queues, after-hours meetings, and call nights.