Personal Banker

State Bank of India (California); San Diego (CA); On-site; USD 40,000 - 60,000; Full time

Job summary

State Bank of India (California) is seeking a dedicated team member to deliver exceptional customer experiences and build relationships with small business customers in San Diego. The role involves managing accounts, processing transactions, and ensuring compliance with banking regulations.

Ideal candidates will have a High School diploma and at least 2 years of branch banking experience. Key skills include customer service, organizational abilities, and knowledge of federal banking regulations, ensuring customers receive the best support and resources.

Qualifications

• Minimum 2 years of Branch Banking Experience and/or Training.
• Experience in sales, marketing, or business development.
• Ability to work independently and in teams.

Responsibilities

• Provides excellent customer service and operational quality.
• Manages branch customer accounts and transactions.
• Analyzes customer information to identify service growth.

Skills

High-volume cash handling experience

Knowledge of Federal Banking regulations

Excellent verbal and written communication skills

Customer service skills

Organizational skills

Education

High School diploma or equivalent

Tools

FIS core banking applications

Job description

Job Summary

Delivers exceptional customer experience, builds relationships, and helps small business customers succeed financially. Engages customers to probe and understand their financial needs and present products, services and mobile options that align with those needs. Complies with Federal and state law policies and procedures.

Essential Functions

• Provides excellent customer service and operational quality in support of established SBIC standards.
• Achieves high‑level professional standards with work processes and outcomes; completes servicing transactions accurately and efficiently, which may include maintaining a cash drawer, cash handling and balancing. Monitors and checks work for precision, clarity, and completeness; produces quality results.
• Manages and oversees branch customer accounts, including opening, closing, and monitoring of transactions.
• Processes customers’ deposits, withdrawals, cash advances, stop payments, blocks, wire transfers and any other transaction needed by the customer.
• Develops strong knowledge of bank products and services; recommends bank services that align with customer needs and cross‑sell effectively.
• Leverages tools and resources to ensure accurate and consistent information of bank products and services and connects those to customer needs.
• Researches customer inquiries and ensures satisfactory resolution. Resolves technical and tactical issues related to account opening process, teller and customer service transactions.
• Analyzes customer information to identify opportunities for growth and expansion of services and advises Branch management.
• Assists management with planning and execution of visibility activities to achieve Branch business targets, including sales/marketing and advertising campaigns.
• Conducts follow‑up calls for assessing customer service and for growing customer portfolio.
• Sets up and attends customer appointments relating to assistance with new and existing accounts.
• Maintains records/log for various follow‑up calls/lead generation etc. as applicable.
• Supports Bank compliance efforts by completing compliance and other technical training workshops as assigned. Ensures compliance with all Bank policies and procedures, as well as applicable state and federal banking regulations including but not limited to BSA and OFAC requirements, Regulation E, Regulation GG, and ACH Rules.
• Performs duties to ensure proper identification and information gathering of all parties subject to SBIC’s Customer Information Program (CIP) and Customer Due Diligence Programs.
• Reviews reports to detect Suspicious Activity and files required reports to the BSA Officer or designee as found.
• Adheres to Bank policies and procedures and complies with all United States Federal and State Regulations including the Bank Secrecy Act, Anti‑Money Laundering Act, Elder Abuse Law, USA PATRIOT Act, and OFAC laws and their implementing regulations. Complies with Wage and Hour regulations, including but not limited to taking meal and rest periods timely, recording time accurately, and reviewing/approving timecard.
• Regular and punctual attendance is required.

Requirements

• High School diploma or equivalent.
• Minimum 2 years of Branch Banking Experience and/or Training. Equivalent combination of education and experience.

Skills and Knowledge

• Experience working in a high‑volume cash handling environment, sales, marketing or business development or equivalent combination of education and experience. Knowledge of Federal Banking regulations pertaining to customer accounts. Experience with FIS core banking applications or other banking software.
• Excellent verbal and written communication skills.
• Must have excellent customer service skills and be able to work well independently and in teams.
• Must be well organized and self‑driven to meet deadlines.

Qualifications

To perform this job successfully, an individual must be able to meet minimum qualifications. The requirements listed 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.