Personal Banker

Chinocommercialbank; Corona (CA); On-site; USD 40,000 - 60,000; Full time

Job summary

Chino Commercial Bank is looking for an experienced Personal Banker to join our team in California. This role requires a passionate and driven individual to provide exceptional service, manage customer accounts, and develop new business relationships.

The ideal candidate will have a strong background in financial services and the ability to cross-sell banking products while ensuring compliance with all regulations.

Qualifications

• 3+ years of experience in financial institution customer service.
• Knowledge of banking products and branch operations.
• Ability to handle cash and financial transactions.

Responsibilities

• Open and manage customer accounts.
• Provide solutions for banking needs.
• Cross-sell banking products and services.

Skills

Customer service skills

Sales strategy development

Problem solving

Effective communication

Math skills

Education

High school diploma or GED

Tools

Computer system operation

Job description

Introduction

We welcome you to join our Chino Commercial Bank team!

We are currently seeking an experienced Personal Banker who is passionate, driven, collaborative, and solutions‑minded individual to join our team.

We are dedicated in creating a championing environment where you can grow and thrive.

Our mission is to provide exceptional customer service to make a difference in the lives of our customers and communities.

Summary

The position of Personal Banker requires full knowledge and skill across a complete range of banking services for individual customers and small businesses, including new accounts, assigned accounts, loan products, and branch operations. The Personal Banker will meet with customers to discuss their financial needs, answer questions, provide recommendations, and support designated accounts while responding to client requests. The role will develop new business relationships through marketing, calling, and active business functions, promoting the bank by maintaining good customer relations, cross‑selling bank products, and referring customers to appropriate staff. The position processes all new account transactions, assists customers with various accounts and financial services, and may also perform routine and intermediate branch and customer services and clerical duties. The Personal Banker must maintain compliance within audit, internal controls, security, BSA, and CTR standards.

Essential Duties

• Works with the Manager to define sales strategies necessary to meet sales and referral goals for individual, branch, and bank growth.
• Open new accounts, both business and personal, by assigning account numbers; complete forms requiring customer signature(s); check ChexSystem history; accept initial deposits; prepare all documents and items for processing.
• Work to retain existing client relationships and obtain new relationships by conducting calls on maturing accounts, following up on leads, referrals and other prospecting opportunities.
• Expand current client relationships and build new client relationships by understanding their needs and providing solutions via the use of all appropriate product features available across all bank product lines.
• Cross‑sell appropriate banking products and services to prospective customers, promoting business for the bank.
• Respond timely to customers’ requests regarding small business banking products.
• Follow up on any leads, letters and mailers provided by Branch Manager or Business Development Officer.
• May perform routine and intermediate branch and customer service duties.
• Receive retail and commercial checking and savings deposits by determining that all necessary deposit documents are in proper form and issuing receipts.
• Confirm all necessary documents are properly authorized and within authorized limits; when uncertain, seek assistance from immediate supervisor.
• May assist in opening and closing the vault daily; assist in balancing vault currency and coin.
• Operate computer terminal or personal computer to process account activity, determine balances, and resolve problems within given authority.
• May issue official checks, money orders, traveler’s checks and savings bond applications.
• Cross‑sell the bank’s other products and services, referring customers to appropriate staff as indicated.
• Assist with safe deposit duties by opening accounts, controlling access, assisting customers and processing affiliated reports.
• May receive and process stop payment and hold orders.
• May accept loan, installment and collection payments.
• Provide effective customer service and assist in resolving problems within given authority.
• Record, file, update information and sort mail or reports as required.
• Assist in answering telephones and direct callers to proper bank personnel.
• May gather data and process various reports (e.g., currency transaction, returned items, overdrafts, callbacks).
• Process address changes, check and deposit slip orders, endorsement stamp orders; assist with other operational duties as assigned.
• May type routine letters, reports and forms.
• Maintain files, copies and faxes documents, and may assist in ordering and distributing supplies.

Secondary Duties

The position of Personal Banker performs duties specific to the position and other functions as assigned.

Supervisory Responsibility

The position of Personal Banker is not responsible for the supervision of any employee(s), however the incumbent is required to provide leadership, training and support to less experienced tellers and other staff members.

Physical Demands and Work Environment

The physical demands described here are representative of those that must be met by an employee to successfully perform the essential functions of this position. Reasonable accommodations may be made to enable individuals with disabilities to perform the functions. The environment for this position is an open office that is mostly clean and comfortable. The employee is in a non‑confined office‑type setting in which they are free to move about at will. While performing the duties of this position, the employee is required to talk or hear, use hands or fingers, handle or feel objects, tools or controls, stand, walk, sit, reach, climb, balance, stoop, kneel, crouch or crawl. The employee must occasionally lift and/or move up to 25 pounds. Specific vision abilities required by this position include close vision, distance vision, color vision, peripheral vision, and the ability to adjust focus. The noise level in the work environment is usually moderate. The employee may operate any or all of the following: telephone, copy and fax machines, adding machine, check protector, scanner, encoder, money counter, credit card terminal, typewriter, computer terminal, personal computer and related printers.

Mental Demands

The incumbent in this position must be able to accommodate reading documents or instruments, detailed work, problem solving, customer contact, reasoning, math, language, presentations, verbal and written communication, analytical reasoning, stress, multiple concurrent tasks and constant interruptions.

Position Requirements

• High school diploma or general education degree (GED); three (3) or more years of related experience and/or training; or the equivalent combination of education and experience. Work related experience should consist of a financial institution customer service and cash handling background. Educational experience, through in‑house training sessions, formal school or financial industry related curriculum, should be business or financial industry related.
• Intermediate experience, knowledge and training in business banking products and branch operation activities, terminology and products and services.
• Intermediate knowledge of related state and federal banking compliance regulations, and other bank operational policies.
• Intermediate skills in computer terminal and personal computer operation; mainframe computer system; and word processing, spreadsheet and account opening software programs.
• Intermediate typing skills to meet production needs of the position.
• Basic math skills; calculate interest and balance accounts; add, subtract, multiply and divide in all units of measure, using whole numbers, common fractions and decimals; locate routine mathematical errors; count currency, coin and negotiable instruments in a timely manner.
• Effective oral, written and interpersonal communication skills with the ability to apply common sense to carry out instructions, interpret documents, understand procedures, compose correspondence and speak clearly to customers and employees.
• Ability to deal with difficult problems involving multiple facets and variables in non‑standardized situations.
• Effective organizational and time management skills.
• Ability to work with general supervision while performing duties.
• Current California driver’s license and a vehicle with appropriate insurance coverage if required to drive in the course of performing assigned duties and responsibilities.

All duties and responsibilities are essential functions and requirements and are subject to possible modification to reasonably accommodate individuals with disabilities. To perform this job successfully, the incumbents will possess the skills, aptitudes and abilities to perform each duty proficiently. Some requirements may exclude individuals who pose a direct threat or significant risk to the health or safety of themselves or others. The requirements listed in this document are the minimum levels of knowledge, skills or abilities.

This job description in no way states or implies that these are the only duties to be performed by the employee(s) incumbent in this position. Employees will be required to follow any other job‑related instructions and to perform any other job‑related duties requested by any person authorized to give instructions or assignments.