Personal Banker

stbancorp; West Goshen (PA); On-site; USD 45,000 - 75,000; Full time

Job summary

stbancorp in West Goshen, PA is seeking a Mortgage Loan Originator to profile customers, determine financial needs, and open loan and deposit accounts. You will drive loan production, complete CARE certification within 6 months, and coordinate referrals to Mortgage and Wealth Management teams.

Qualifications include a high school diploma or equivalent with specialized training or a two-year degree, and 2–5 years of general banking experience, preferably in lending.

Qualifications

• High school diploma or equivalent required, plus specialized training or a two-year degree.
• 2–5 years general banking experience required; lending experience preferred.

Responsibilities

• Profile customers to determine financial services needs and refer to appropriate partners.
• Open loan and deposit accounts and process loan applications using LOS software.
• Achieve individual loan and deposit production goals; support branch sales and service standards.
• Utilize CARE program and complete required certifications within 6 months.
• Provide cross-sell opportunities for Mortgage, Wealth Management, Financial Services and other banking products.

Skills

Sales skills

Customer profiling

Loan knowledge

CARE certification

LOS software

Product knowledge

Education

High school diploma or equivalent

Two-year degree or specialized training

Tools

LoanFit

Sales binder

Job description

Location:

1115 West Chester Pike
West Chester, PA 19380

Hours:

Monday - Thursday 8:30 am - 5:00 pm
Friday 8:30 am - 6:00 pm
(Must be flexible around branch hours)

F unction :

Responsible for profiling customers to determine financial services needs and referring customers to other Line of Business partners when appropriate. Opens loan and deposit accounts. Responsible for achieving individual goals including loan and deposit production and other sales goals as assigned by Branch management.

Duties and Responsibilities:

• Proves competencies in bank operations by:
• Completion of the Sales Platform training as assigned by Consumer Bank Training
• Demonstration of product knowledge, sales aptitude, and service expectations in a successful manner.
• Execution of the expectations outlined in the Branch Playbook.
• CARE certified within 6 months of hire
• Profiles customers to determine and recommend appropriate S&T loan and deposit products.
• Utilizes all sales tools as provided to enhance the customer experience and sales conversation. Example tools but not limited are: LoanFit, sales binder, etc.
• Completes the S&T Sales process and customer focused conversation with each customer, document notes in the appropriate system for all bankers view in future interactions.
• Inputs loan applications using appropriate LOS software and coordinates loan document preparation.
• Opens new deposit accounts and produces signature cards, certificates of deposit and other deposit documents.
• Uses a combination of CARE skills, product knowledge, and knowledge of policies and procedures to suggest additional bank services such as other loan accounts, deposit services, and insurance products. Makes referrals to the Mortgage, Wealth Management, Financial Services, Business Banking, Elavon, Elan, Private Banking. Evergreen, Deluxe, etc.
• Contributes to Branch goals and sales and service standards as outlined in branch playbook and detailed by Branch Management
• Executes professional sales and service behaviors in alignment with Bank's Our Shared Future purpose, five values and core drivers.
• Follows up on loans and deposit accounts opened and corrects deficiencies or document exceptions in a timely fashion.
• Utilize the Sales & Service guide to complete proposed campaign calls on new and existing customers to generate new business as outlined in the Branch Playbook.
• Assists, as needed, branch management in coaching staff regarding the S&T Sales process and expectations.
• Maintains a good working relationship with bank employees in other departments and business lines. Demonstrates strong interpersonal skills with the ability to work independently, as well as motivated to work as a team player to contribute to the success of the branch and in turn, the organization.
• Completes NLMS requirements as part of the S.A.F.E. Act certification. Proof of registration with the registry and verification of a unique identifier as established under the guidelines of the S.A.F.E. Act is required upon hire and/or must be obtained prior to performing the duties of a Mortgage Loan Originator, as defined by the Act. This registration must be maintained annually in accordance with the S.A.F.E. Act.
• Performs other duties as assigned, and as necessary to support the successful operation of the branch.

Education:

Requires a high school diploma or equivalent , plus specialized training or a two-year degree.

Experience :

Two to five years general experience required and specialized preferred.

Physical Demands:

Operates a keypad device: 70% of the day; operates electronic equipment: 10% of the day; operates office equipment: 10% of the day. Standing is required 2 hours per day in a straight position. Sitting is required 5 hours per day in a leaning position. Routinely lifts up to 10 lbs., 2 times per day. Maximum lift is 20 lbs., one time per day. Must be able to occasionally lift and/or move up to 50 lbs. Use of manual dexterity skills for typing and data entry up to 40% of the business day. Specific vision requirements include close vision of 18"-20" for computer work. Reasonable accommodations may be made to enable individuals with disabilities to perform essential functions.

Offered rates and salaries may vary based on geographic location, market data and on experience, education, and evidenced position specific skill requirements.

For roles that are incentive eligible, payment is based upon the plan document and company, business, and/or individual performance.

Equal Opportunity Employer/Protected Veterans/Individuals with Disabilities

The contractor will not discharge or in any other manner discriminate against employees or applicants because they have inquired about, discussed, or disclosed their own pay or the pay of another employee or applicant. However, employees who have access to the compensation information of other employees or applicants as a part of their essential job functions cannot disclose the pay of other employees or applicants to