Personal Banker

Beacon Credit Union; Lynchburg (VA); On-site; USD 36,000 - 52,000; Full time

Benefits offered by this job

Competitive salary

Benefits package

Paid time off (PTO)

11 paid holidays

Volunteer PTO opportunities

Employee discounts

401(k) match

Disability insurance

Life insurance

Training and orientation

Job summary

Beacon Credit Union in Lynchburg, VA is seeking a Personal Banker to deliver outstanding member service, assess financial needs, and recommend Beacon CU solutions. The role includes processing consumer loan applications approved by Centralized Lending, applying Beacon’s policies, and meeting monthly sales and loan goals.

Must understand the five C’s of credit and Beacon’s programs, with a focus on member satisfaction and cross-selling opportunities.

Qualifications

• Lending Experience Required
• Account Opening Required
• One year working in a Financial Institution
• Sales Experience

Responsibilities

• Ensure each approved loan is closed using Beacon CU's lending standards.
• Increase product and service penetration with current and potential members.
• Review completed loan packages prior to funding and ensure compliance.
• Act as a Teller when requested and follow teller policies.
• Follow all applicable regulations including BSA, Patriot Act, Reg CC, AML; comply with SAFE Act regulations.
• Deliver outstanding service to internal and external members.
• All other duties assigned by management.

Skills

Lending Experience

Account Opening

Sales Experience

Job description

Unlock Your Financial Future with BEACON CREDIT UNION – Where Your Potential Shines Bright!

ABOUT US:

Beacon Credit Union is a leading financial institution, "Dedicated to Our Member's Financial Success," by providing exceptional service and innovative banking solutions.

Location: Lynchburg, VA (Langhorne, Va)

Role: Personal Banker

Why Join OUR Team?

• Positive and supportive team culture
• Competitive salary and benefits package and incentives
• Generous PTO and 11 Paid Holidays
• Ability to earn additional PTO through volunteer opportunities
• Employee discounts on loans and banking products
• 401(k) Employer Match and Profit-sharing potential
• 100% Bank Paid Long-Term Disability, Short-Term Disability, and Life Insurance
• Learning and growing in a dynamic work environment
• First-class Orientation and Training that showcases our mission and customer service standards

The primary purpose of this Personal Banker position is to assist Beacon Credit Union in living out our mission, "Dedicated to Our Member's Financial Success," by delivering outstanding service to both internal and external members. A key component of this service delivery is to identify the financial needs of each member and recommend an appropriate Credit Union solution.

In addition, the Personal Banker processes and closes consumer loan applications approved by the Centralized Lending Department, ensuring all required documentation is gathered. They understand the five C's of credit and Beacon CU's policies, meet monthly sales and loan goals, are knowledgeable about Beacon CU's products and services, and apply the Mike Neill techniques to achieve success.

Major Duties And Responsibilities

• Ensure that each approved application is closed using Beacon CU's lending standards. The lending specialist will submit all loan requests with accuracy and timeliness. Have an understanding to ensure each loan is underwritten to Beacon's policies and procedures. Any loan approved outside of guidelines must have proper signatures for approval. Must meet and exceed loan and sales goals monthly. Understands and applies the principles of the 5 C's of Credit, Understands how to counsel members/customers on improving their financial position.
• Is knowledgeable and understands all of Beacon CU's products and services. Responsible for increasing product and service penetration with current as well as potential members. Understand and follow the guidelines set forth in our sales module (Mike Neill) to fulfill our mission statement and service standards to every member every time.
• Review completed loan packages prior to funding of the loan. Review and compliance completed loan packages before sending to loan review.
• Act in the capacity of a Teller when requested. Must understand all applicable teller policies and procedures. Use the Mike Neill methods. Mission statement, and service standards are met while on the teller line to ensure every member every time is our standard.
• Follow all applicable regulations, including Bank Secrecy Act, Patriot Act, Reg CC, and Anti-money Laundering. Adheres to all SAFE ACT regulations.
• Deliver outstanding service to external and internal members in alignment with the Credit Union's service standards.
• All other duties assigned by management.

Experience

• Lending Experience Required
• Account Opening Required
• One year working in a Financial Institution
• Sales Experience

Please Note: Visible tattoos must be covered at all times while working. Visible piercings are limited to ear piercings for women; facial and other visible body piercings are not acceptable under Beacon's appearance standards. All employees are required to adhere to Beacon Credit Union's professional dress and appearance standards.