Personal Banker

Bank Iowa; Denison (IA); On-site; USD 42,000 - 54,000; Full time

Job summary

Bank Iowa is seeking a Personal Banker to develop and open consumer and business accounts, originate consumer loans, and deliver a superior client experience to retail and commercial clients. You will promote the bank’s services while building on existing client relationships and pursuing new business opportunities.

The role focuses on relationship-based banking, with responsibilities that include loan processing support, compliance adherence, and active participation in community engagement to

Qualifications

• Experience opening consumer and business accounts and promoting bank services.
• Ability to prospect new clients and build relationships.
• Strong customer service focus and ability to handle client inquiries.

Responsibilities

• Promotes and originates loans, new accounts and bank services for both retail and commercial clients.
• Prospects new clients by making outbound calls to solicit new business and promote brand awareness.
• Prospects new and existing clients to identify their financial goals and ways of reaching those goals.
• Provides a superior client experience to all clients of the bank.
• Resolves client questions and concerns with appropriate actions.
• Attains individual performance goals for loan volume, deposit growth, referrals, and client experience performance.
• Analyzes credit and financial information for processing of loans and other bank products for clients to ensure applicable lending policies and procedures are followed.

Skills

Customer relationship building

Sales & cross-selling

Communication skills

Prospecting / outbound calls

Credit analysis

Relationship tracking tools

Tools

CRM software

Job description

What You'll Be Doing

As a Personal Banker at Bank Iowa, you will be responsible for developing and opening new consumer and business accounts, originating consumer loans and providing superior client experience for both retail and commercial clients. Our Personal Bankers promote the bank and its services in our communities, while also being accountable for individual business development activities and strategies that promote new business and building upon existing client relationships. Additionally, you will provide personalized relationship-based banking services to current and prospective clients.

Core Responsibilities

• Promotes and originates loans, new accounts and bank services for both retail and commercial clients.


• Prospects new clients by making outbound calls to solicit new business and promote brand awareness.


• Prospects new and existing clients to identify their financial goals and ways of reaching those goals.


• Provides a superior client experience to all clients of the bank.


• Resolves client questions and concerns with appropriate actions.


• Attains individual performance goals for loan volume, deposit growth, referrals, and client experience performance.


• Analyzes credit and financial information for processing of loans and other bank products for clients to ensure applicable lending policies and procedures are followed. Responsible for adherence to compliance regulations.


• Completes documents for opening checking and savings accounts, certificates of deposit, Individual Retirement Accounts, safe deposit boxes, and debit cards.


• Utilizes relationship tracking tools and participates in weekly activity meetings and team huddles.


• Collects past due loans and tracks delinquencies.


• Processes overdraft and returns items according to bank procedures.


• Orders credit reports, background checks, reference checks, and other information as needed.


• Promotes and participates in the bank’s special credit programs and other CRA programs.


• May open and close office by following established security procedures.


• Provides back up support to teller line and reception areas as needed.


• May be required to be on call to answer ATM servicing calls or security alarms at night and on weekends.


• Follows up on referrals from other bank personnel to generate new business.

General Responsibilities

• Protects the privacy and confidentiality of clients and team members.


• Understands and complies with banking regulations by following bank policies and procedures. Stays abreast of relevant regulations, current industry matters, and any changes implemented internally to ensure compliance.


• Represents the bank in community events to promote awareness of Bank Iowa.


• Actively participates in local community events and promotes business development.


• Provides and maintains a professional, business-like atmosphere within the office.


• Partners with all business lines to ensure full line of product and services are available to clients and that team members are educated on referring them.


• Actively participates in marketing campaigns, business development activities, and team activity meetings.


• Provides back up support in the absence of the branch manager to ensure adequate coverage, efficient experience, and smoother branch operations.