Personal Banker II

## Description

**Job Description**

**Job Title:** Personal Banker II

**Department:** Retail Banking

**Reports To:** Branch Supervisor

**FLSA Status:** Non-exempt

**Expectations for All Team Members:** Supports Legends Bank’s Mission, Vision, and Values by demonstrating the following characteristics and behaviors with team members, customers, and communities we serve.

**L** – Lead; **E** – Engage; **G** – Grow: **E** – Excel; **N** – Notice; **D** – Do; **S** - Serve

**Summary/Purpose:**

Responsible for efficiently processing a variety of customer transactions while providing the highest level of customer service. Helps build solid customer relationships by identifying bank products and services beneficial to the customer.

**Essential Duties and Responsibilities for Personal Banker I:** include the following. Other duties may be assigned.

• Greets customers instantly upon entering the branch and facilitates a welcoming and customer focused environment.
• Alert to customers’ needs and ability to suggest appropriate products/services. Provides brochures as needed for banking services with sufficient knowledge to discuss each product we offer.
• Processes customer transaction efficiently and accurately in a slower or fast-paced environment while maintaining a balanced cash drawer and adhering to internal controls and procedures.
• Properly completes bank documents in accordance to bank policy and procedure (i.e. non-negotiable item logs, Currency Transaction Reports, general ledger tickets, forms, etc.)
• Receives checks and cash for deposit/payout after verifying signatures, customer account balances, and examining checks for endorsements, legitimacy, etc.
• Processes customers' transactions into bank teller system to record transactions, and issues computer generated receipts.
• Balances currency, coin, and checks in cash drawer throughout the day ensuring totals match with data displayed on teller system.
• Explains, promotes, or sells other products or services as needed for branch.
• Follows branch security in accordance with bank policy to protect the bank against criminal and fraudulent operations and unnecessary risk or exposure by securing cash drawer, keys, combinations, and non-negotiable items, maintaining the established cash drawer limits, placing necessary holds, examining account titles and balances, verifying signatures of signers on accounts, performing dual control where assigned, etc.
• Daily removes, records and processes deposits from night depository adhering to bank policy and procedure.
• Assists customers with safe deposit box assistance and verification.
• Accepts/processes loan and utility payments.
• Builds customer loyalty by developing relationships, making customer care calls and offering exceptional customer service.
• Teller Certification.

**Additional Duties and Responsibilities for Personal Banker II:**

• Increased check cashing limit from $500 to $2,500.
• Responsible for handling the branch ATM operations, such as opening/closing, recording and processing deposits, loading cash dispensers, balancing the ATM and ensuring its security.
• Ability to initiate/execute customer wire transfer of funds following appropriate bank policy and procedure.
• Responds to customer inquiries and requests. Informs and advises customers of status or enhancements to current account productivity, and suggests resolution on account disputes and other account activity.
• Provides appropriate online and account/debit card maintenance to include stop payments, address changes, closing accounts, HAS contribution forms.
• Orders customer checks as necessary.
• Assists other bank personnel in resolving any customer issues.
• Ability to operate and balance vault following appropriate controls as according to bank policy and procedure.
• Ability to operate a Cash Dispenser, Integrated Teller Machine (ITM) or other bank technology as appropriate for position.
• Attends and participates in training courses/certifications to advance job/customer service and products knowledge.
• Help achieve branch referral/deposit/loan goals by promoting/cross-selling other bank products and services as appropriate to customer needs.
• Personal Banker Certification.

**Additional Duties and Responsibilities for Personal Bank III:**

• Increased check cashing limit to $5,000. Ability to sign cashier’s check to $25,000.
• Evaluates customer needs to obtain information and explain available financial services such as savings, consumer/business checking accounts, Individual Retirement Account, Certificates of Deposit, HSA, Estates, savings bonds, and securities.
• Obtains credit records from credit reporting agency for account opening.
• Prepares, compiles and inputs into computer new customer information on each account opened ensuring completeness/accuracy of documentation and forwarding to appropriate personnel within time limits as according to bank policy and procedure.
• Ability to identify the needs of the customer and communicate the appropriate bank products as necessary.
• Instrumental in achieving branch referral/deposit/loan goals by promoting/cross-selling bank products and services as appropriate to customer needs.
• Help ABM & BM mentor Personal Banker I&II’s.
• Backup to ABM for account opening and signing authority.
• Advanced product knowledge.
• Advanced Business/Consumer Account Opening skills; proficient in IRAs, HSAs, etc.
• History of achieving branch referral/deposit/loan goals by qualified referrals and cross-selling bank products.
• Completion of Business Calculator training.

## Qualifications

**Skills and Qualifications:**

To perform this job successfully, an individual must be able to perform each essential duty satisfactorily. The requirements listed below are representative of the knowledge, skill, and/or ability required. Reasonable accommodations may be made to enable individuals with disabilities to perform the essential functions.

• Strong multi-tasking skills and great attention to detail.
• Basic math, problem solving, ten key and computer skills.
• Security conscious with excellent organizational skills.
• Enthusiastic personality. Communicates effectively with customers and inspires confidence – skilled enough to take care of customer assets and needs.
• Must enjoy working with the public and be able to handle large sums of money comfortably.
• Proficient computer skills.
• A team player working well with others and flexible in working hours; must have the ability to work a Saturday rotating schedule as assigned and extended hours from time to time.
• Proactive and self-directed with the ability to prioritize.
• Must report to work promptly and regularly as according to work schedule.
• Must be professional and calm under pressure.

**Education and/or Experience:**

• Personal Banker I - High school diploma or equivalent required; one to six months related experience and customer service training. One year banking/customer service experience preferred. Excellent customer service following Personal Banker procedures. Minimal transaction errors.
• Personal Banker II - High school diploma or equivalent with minimum of one year Teller/Personal Banker experience required; demonstrate proficiency of Personal Banker I skills; ability to balance Vault and ATM, order customer checks and perform wire transfers and account/debit card maintenance; sufficient consumer account opening, product knowledge and referral history. Ability to operate a cash dispenser and/or Integrated Teller Machine (ITM). Completion of Teller Certification.
• Personal Banker III - High school diploma or equivalent with minimum of two years Teller/Personal Banker experience required; demonstrate proficiency of Personal Banker I&II skills; product knowledge and Account Opening skills, cross-selling bank products to achieve consistent referral history. Training abilities to help mentor Personal Banker I & II with patience and kindness. Assist ABM or BM with any branch need. Completion of Personal Banker Certification course.</