Personal Banker

S&T Bank; West Goshen (PA); On-site; USD 29,000 - 56,000; Full time

Job summary

S&T Bank in West Chester, PA is hiring a Mortgage Loan Originator responsible for profiling customers to determine financial services needs and referring them to appropriate partners. You will open loan and deposit accounts and strive to meet loan and deposit production goals as set by Branch management.

Qualifications include a high school diploma or equivalent, 2-year degree preferred, 2–5 years in banking, and CARE certification within six months; S.A.F.E.

Qualifications

• Requires a high school diploma or equivalent and specialized training or a two-year degree.
• Two to five years general banking experience preferred.
• Familiarity with loan products and sales processes.
• S.A.F.E. Act registration and CARE certification within six months.

Responsibilities

• Profiles customers to determine financial services needs and makes appropriate referrals.
• Opens loan and deposit accounts and processes loan applications in LOS systems.
• Performs sales activities to meet branch goals and supports other banking lines as needed.
• Uses sales tools (LoanFit, sales binder, etc.) to enhance customer conversations.
• Maintains accordance with branch playbook and Our Shared Future values.

Skills

Customer profiling

Sales experience

Interpersonal skills

Team collaboration

Education

High school diploma or equivalent

Two-year degree

Tools

LOS software

LoanFit

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)

Function

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.

Salary Range

$21.00 - $41.06

Equal Opportunity Employer

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 individuals who do not otherwise have access to compensation information, unless the disclosure is (a) in response to a formal complaint or charge, (b) in furtherance of an investigation, proceeding, hearing, or action, including an investigation conducted by the employer, or (c) consistent with the contractor’s legal duty to furnish information. 41 CFR 60-1.35(c) Salary Range: $21.00 - $41.06 S&T Bank believes in Equal Opportunity for all and is committed to ensuring all individuals, including individuals with disabilities, have an opportunity to apply for those positions that they are interested in and qualify for without regard to race, religion, color, national origin, citizenship, sex, sexual orientation, gender identity, age, veteran status, disability, genetic information, or any other protected characteristic. S&T Bank is also committed to providing reasonable accommodations to qualified individuals so that an individual can perform their job related duties.