Personal Banker

American Bank & Trust AB; Sioux Falls (SD); On-site; USD 40,000 - 70,000; Full time

Job summary

An established industry player is seeking a dedicated banking professional to enhance customer relationships and promote banking products. In this role, you will interact with customers, assist in loan decision-making, and support various banking operations. Your ability to multitask and maintain confidentiality will be crucial as you navigate customer inquiries and foster strong relationships. This position offers the opportunity to contribute to a vibrant team environment while achieving personal and branch goals. If you are resourceful and organized, this could be the perfect opportunity for you to grow your career in banking.

Qualifications

• 5-7+ years in banking, lending, or retail cashier roles.
• Proven experience managing larger lending authority.

Responsibilities

• Interact with customers to identify their needs and recommend banking products.
• Open and close various deposit accounts and assist with consumer loans.
• Participate in branch events to engage with customers.

Skills

Customer Service

Problem-Solving

Multitasking

Attention to Detail

Confidentiality

Education

High School Diploma or equivalent

Job description

The provided job description is comprehensive and detailed, covering responsibilities, qualifications, and other relevant information. However, it contains some redundant elements, inconsistent formatting, and unnecessary repetitions that can be streamlined for clarity and professionalism. Below is a refined version that maintains all essential information while improving readability and structure.

PRIMARY RESPONSIBILITIES AND ACCOUNTABILITIES: (90%)

• Interact with customers in a courteous, professional, and friendly manner to identify their needs.
• Develop and recommend banking products to meet customer needs, including cross-selling to appropriate areas of the bank.
• Open and close various deposit accounts, such as checking, savings, certificates of deposits, and IRAs.
• Interview consumer loan applicants, gather financial information, and assist in loan decision-making; maintain branch consumer loan files.
• Handle IRA distributions, sales, and reporting.
• Establish call programs and coordinate events to generate business and foster strong customer relationships.
• Process debit card requests and assist customers with related banking issues.
• Assist customers with Online Banking and other technological products.
• Participate in branch events to engage with customers and promote bank services.

SECONDARY RESPONSIBILITIES AND ACCOUNTABILITIES: (10%)

• Attend to the reception area in the absence of the attendant.
• Support the teller line by processing transactions as needed.
• Assist with accounts payable, loan maintenance, account monitoring, and other tasks as required.
• Participate in retail meetings and adhere to compliance procedures, including training.
• Perform other duties as assigned.

TEAM/COMMITTEE ASSIGNMENTS:

• TBD

ROLE QUALIFICATIONS:

Education: High School Diploma or equivalent

Experience: 5-7+ years in banking, lending, or retail cashier roles; proven experience managing larger lending authority.

Skills and Abilities:

• Maintain confidentiality of customer information
• Resourceful, organized, and capable of multitasking
• Effective problem-solving and decision-making skills
• Strong attention to detail
• High ethical standards

PERFORMANCE MEASURES:

• Meet or exceed annual goals set by the supervisor
• Ensure compliance with regulatory requirements
• Achieve sales and growth targets
• Maintain balanced accounts with quarterly offages less than 3
• Achieve at least 3 referrals quarterly

WORKING CONDITIONS:

Work is primarily performed within the bank, with limited risk of injury. Requires mental and visual concentration, with potential stressful situations due to multiple priorities. Work hours are typically during normal business hours, with occasional evenings, weekends, and out-of-town travel. Some physical activity, including lifting up to 20 pounds, bending, and twisting, is required.

GENERAL NOTICE:

This description outlines the general nature and level of work performed. It is not all-inclusive, and duties may change or additional tasks may be assigned. This document does not constitute a contract, and employment is at-will.

Additional Information:

Equal Opportunity Employer. All applicants will be notified of their rights under federal employment laws. For more information, review the "Know Your Rights" notice from the Department of Labor.