Personal Banker III

Description

Job Summary:

A Bank Personal Banker III is a financial professional responsible for building and managing customer relationships, understanding their financial needs, and providing personalized banking solutions. This role requires a combination of sales acumen, financial expertise, and excellent customer service skills. Personal Bankers play a key role in helping customers achieve their financial goals while promoting and cross-selling various banking products and services.

Please note this job description is not designed to cover or contain a comprehensive listing of activities, duties or responsibilities that are required of the employee for this job. Duties, responsibilities, and activities may change at any time with or without notice.

Requirements

 Duties/Responsibilities:

• Customer Relationship Management: Build and maintain strong relationships with customers by understanding their financial goals and needs. Act as the primary point of contact for assigned customers.
• Financial Consultation: Conduct financial assessments to understand customers' current financial situations and future objectives. Provide tailored financial advice and recommend appropriate banking products and services.
• Account Management: Open and close accounts, including checking, savings, certificates of deposit and individual retirement accounts. Assist customers with account-related transactions and maintenance.
• Cross-Selling: Identify opportunities to cross-sell and promote additional banking products and services. Introduce customers to loans, credit cards, and other financial offerings.
• Loan Processing: Assist customers with loan applications and guide them through the loan approval process. Provide information on loan products, interest rates, and repayment terms.
• Customer Education: Educate customers on the bank's products, services, and digital banking options. Conduct financial literacy sessions to enhance customers' understanding of financial concepts.
• Sales Targets: Meet or exceed sales targets for various banking products and services. Track and report sales performance regularly.
• Compliance: Ensure compliance with banking regulations and internal policies. Stay updated on industry standards and changes in banking laws.
• Problem Resolution: Address and resolve customer issues and concerns in a timely and effective manner. Collaborate with other departments to resolve complex customer problems.
• Documentation and Record Keeping: Maintain accurate and detailed records of customer interactions, transactions, and account activities. Complete necessary paperwork for account changes, transactions, and service requests.

Required Skills/Abilities

• Exercise a willingness and commitment to adhere to the bank’s core values.
• Ability to identify and report risks that could impede the reputation, safety, security, or financial success of the bank. 
• Excellent understanding of the Banks products and services.
• Proficient in business products.
• Demonstrated positive and helpful attitude toward both internal and external customers.
• Good interpersonal communication skills, including the ability to use effective communication skills, understand procedures, and speak clearly to customers, employees and supervisors.
• Satisfactory computer skills.
• Excellent customer service skills.

Education and Experience:

• High school diploma or equivalent.
• 1 -3 year of banking experience preferred.