Personal Banker

About This Role

The Personal Banker is responsible for finding new customers for consumer and small business banking and building stronger relationships with current customers. This role acts as the first point of contact for sales and service within the branch team, identifying opportunities for complex products and financial services. The Personal Banker also refers clients to Investment Services, Residential Mortgage Lending, and commercial banking to help them meet their financial goals and to support the team in achieving business targets. Additionally, this position serves as a backup teller, handling various payment and receiving functions, and as a backup loan assistant, preparing and filing documents, tracking insurance, maintaining loans, and checking loan applications for completeness.

Responsibilities

• Represent the Bank in a courteous and professional manner
• Verify transactions, monitor deposit amounts, examine documents for proper endorsement and negotiability, and promptly detect and resolve discrepancies
• Maintain security of the assigned work area, place cash in the teller drawer, and lock all drawers when leaving the work area
• Ensure that customers' requests and questions are promptly resolved
• Maintain privacy of customer account information
• Direct calls to the appropriate person/department as necessary and record and relay messages as appropriate
• Perform file maintenance and account changes as needed, such as address changes, and stay up to date on pending documentation, such as verifying accounts opened by other branch personnel
• Present and explain Bank services and products to customers and assist in meeting their financial needs
• Open and close accounts by obtaining information from the customer and entering it into the computer system
• Interview, take applications, gather information, and process preliminary documentation on loan requests
• Operate the teller terminal, process assigned cash and transactions, and balance at the end of the day
• Seek opportunities to refer products and services for increased business to the Bank
• Enter loan information into automated software approval systems
• Assist in servicing loans by processing items such as payments, payoffs, problem loan workout arrangements, loan draws, address changes, payment extensions, collateral releases, and payment due date changes
• Advise customers of loan approval or denial and explain loan denials precisely and clearly to customers
• Coordinate and process loan closings and ensure loan documents are explained and acknowledged with customers and all disclosures are provided
• Help other area personnel as required
• Keep management informed of area activities and any significant problems or concerns
• Complete special projects as assigned