Personal Banker I

Description

POSITION SUMMARY:

At F&M, our personal bankers do more than handle requests; they establish and nurture lasting relationships with our valued customers. We are industry leaders because people trust us to handle their financial transactions with the utmost care and attention to detail. To continue this tradition of superior service and accountability, we’re looking for a qualified personal banker to join our team. Our ideal candidate will have experience with banking processes, money management, and customer service. First and foremost, you must be trustworthy and precise. Your contribution will reinforce our reputation as a trusted bank in the community.

This position is the “Customer Ambassador” for the bank with the overall purpose of providing exceptional service to our customers via multiple channels but primarily face-to-face interaction with the bank. The ideal candidate will be passionate about empowering customers to meet their financial goals and have a thorough understanding of the customer’s transaction requirements. Excellent communication is a critical trait necessary to educate customers and refer appropriate products and services matching their needs. 

A Personal Banker I, will open deposit accounts and complete the processing of regular transactions, such as receiving and paying out money and keeping records of money and negotiable instruments involved in financial transactions in an efficient and accurate manner. Provide personalized banking services to financial institution customers by performing the following duties: educate customers about the Banks’ sales and service delivery options and refer the appropriate products and services matching the customer needs.  

This position will effectively refer customers to the appropriate source or channel to address their need. Bankers fulfilling a level I role would have baseline banker knowledge.

OBJECTIVES OF THIS ROLE:

• Have an excellent and thorough understanding of the bank products/services and the customer’s current relationship, offer information on bank products and services that can benefit the customer and enhance their banking relationship. (Listen to the customer’s needs and match those needs to the bank’s products and services resulting in referrals.)
• Evaluate needs of potential customers and offer appropriate financial products and services while utilizing BN Control.
• Prepare and compile new customer account information to open new deposit accounts - including signature cards, new account sheets, check orders, direct deposit, and automatic bill pay.
• Accounts include all deposit products including Certificate of Deposit opening, closing, deposits and partial withdrawals. IRA opening, distributions, and contributions.  
• Refer and schedule appointments with Home Loan Originators and educate customers on various home loan products.
• Provide ongoing relationship servicing by informing and advising customers of status or enhancements to current accounts to maintain goodwill and gain additional business. Also suggest resolution on account disputes and other account activity.
• Respond promptly to customer inquiries and requests and resolves difficult customer transactions and situations. 
• Promote and cross-sell Bank products and services as appropriate to customer needs, including FM Investments. 
• Generate new business to assist in meeting profitability goals of the office, and production goals set by retail leadership.
• Answer telephone calls, take messages, provide information, and direct calls to appropriate staff as necessary.
• Greet bank visitors, provide information, and direct them to appropriate staff as necessary.  

RESPONSIBILITIES:

• May also fulfill that responsibility outlined in Teller Job Description
• Identify customer needs, provide information on new products and services, and refer customers to branch representatives.
• Meet and exceed partner referrals and sale production goals as set by retail leadership. 
• Open requested accounts in adherence to bank guidelines 
• Track, record, report, and store transactional information and special requests
• Provide a high level of customer service, providing answers and assistance with a smile
• Comply and satisfactorily pass tests for bank policy and regulatory compliance that apply to position.

Requirements

 QUALIFICATIONS:

• High school diploma, and/or 3-5 years of retail banking experience. 
• Basic math and computer skills
• Working knowledge of banking/financial products and services 
• Cash-handling experience
• Excellent communication, customer service, and time-management skills
• Ability to pass a background check
• Strong dedication to accuracy and efficiency 

ADDITIONAL REQUIREMENTS: Certificates and Licenses

• Valid Driver’s License 
• Personal Banker Certificate
• Notary Public Commission

** This position is scheduled to work Monday – Saturday, generally with a day off and / or occasional extended hours as needed to accommodate the flow of business. On occasion an employee may be asked to report to another location to fulfill staffing needs.   

COMPLIANCE:

• As generally applicable to F&M Bank and commensurate with these job functions, this job role includes accountabilities for following Bank policies and related procedures, as well as regulatory requirements involving federal and state laws, regulations, and related guidance.
• Compliance with Bank Secrecy Act (BSA), including accurate completion of Currency Transaction Reports (CTR) when applicable, Anti-Money Laundering Act (AML), Office of Foreign Asset Control (OFAC) and the USA PATRIOT Act. Adhere to Customer Identification, Customer Due Diligence and reporting of suspicious activities to the BSA Department.

NON-EXEMPT/HOURLY COMPETENCIES:

• Job Knowledge: Understands duties and responsibilities, possesses necessary job knowledge and technical skills, maintains job knowledge current.
• Productivity: Manages a fair workload, volunteers for additional work, prioritizes tasks, develops good work procedures, manages time well, and handles information flow.
• Attendance: Employee is expected to adhere to the attendance and break policy and communicate with your supervisor about anticipated time off or modifications to break times.