Personal Banker
Department: South Minnesota 40
Office: S. Minnesota - Sioux Falls, SD
Location: Sioux Falls, SD
Description
Summary:
Provides customized financial institution services to customers with specific or special banking needs
Essential Duties and Responsibilities:
• Has knowledge of general banking functions with an emphasis on selling bank
products, solving problems, and the maintenance of existing account relationships.
• Earns customers' long-term business by using a needs-based approach, and providing
value-added financial insight in identifying customer needs.
• Product knowledge must be at a level that the PB can sell any service offered by the
bank and support bank deposit, lending, trust and securities, and insurance business
through referrals to appropriate department.
• Participates in all office marketing and sales projects, which include personal
contacts, telephone sales, direct mailing and promotions.
• Develops and applies sales and service skills as a result of various training and
continuing education programs provided by the branch management or marketing
department.
• Attends appropriate community events representing company. (Chamber events, civic,
and social events) to solicits new business and develop goodwill.
• Makes consistent cross selling efforts with customers in the office on a daily basis.
• Demonstrates personal commitment to excellence in sales and service to customers
and other employees.
• Demonstrates customer service by managing difficult or emotional customer
situations, responding promptly to customer needs, soliciting customer feedback for
improvement and responding to requests for service and assistance.
• This position has no underwriting authority.
• Actively prospects, targets, qualifies, presents and closes sale.
• Follows up on referred leads from other departments and personnel.
• Interviews applicant to determine consumer/mortgage loan requirement and gather
pertinent information for loan application.
• Requests applicant credit reports, background checks, reference checks, and other
information pertinent to loan applicant's evaluation.
• Analyzes applicant financial status, credit, and asset evaluation to determine
feasibility of granting loan or submits application for verification and recommendation.
• Resolves uncertainties relating to customer application information through inquires
with applicant or creditors.
• Originates and prepares loans for consumer loan customers including preparing
documentation for loan approval.
• Ensures loan agreements are complete and accurate according to bank policy.
• Assures timely loan closing and funding activities.
• Assists walk-in customers with applications and loan servicing issues.
• Identifies and analyzes potential loan markets to develop prospects for consumer and
mortgage loans.
• Receives checks and cash for deposit, verifies amount, and examines checks for
endorsements.
• Cashes checks and pays out money after verification of customer identity, authorized
signature and customer available balances.
• Enters customers' transactions into computer to record transactions, and issues
computer generated receipts.
• Maintains and balances currency, coin, and checks in cash drawer at end of shift and
compares totaled amounts with data displayed on computer screen.
• May prepare loan docs for the loan and perform other related duties.
• Opens new deposit product accounts for customers.
• Answers customer questions and investigates and corrects errors, following customer
and establishment records and rules.
• Completes sales transactions or refers customers to appropriate bank associates.
• Solicits, examines, evaluates, and recommends approval of customer applications for
consumer loans and mortgage loans.
• Identifies customers' needs and presents products and services that meet those
needs
• May assist with loan collections for CCD and mortgage accounts.
• Places holds on accounts for uncollected funds, when necessary.
• May be responsible for the vault where duties would include, ordering coin and
currency from the Fed, selling and buying cash to and from the tellers, maintaining
the vault cash in an orderly manner and balancing the vault cash.
• May order checks for customers.
• May assist bank customers in their checking, savings, and payment transactions.
• Perform other related duties as assigned.
Supervisory Responsibilities: This job has no supervisory responsibilities.
Education and/or Experience: Bachelor's degree (B. A.) from four-year college or university; or one to two years related experience and/or training; or equivalent combination of education and experience.
Certificates, Licenses, Registrations:
• Credit life, Accident and Health, and Disability insurance licenses.
• A valid driver's license.
Values Statement: Meta Financial employees uphold our philosophy of ‘People Helping People’ by contributing to building a positive team spirit and inspiring and motivating others to perform well. Employees must speak clearly and persuasively in positive and negative situations and continually look for ways to improve and promote quality products and services to our customers.
General sign-off: The employee is expected to adhere to all company policies including but not limited to the Vision, Mission, and Value statements and actively participate in company programs including, but not limited to, Performance Management and Compliance Training. The employee must comply with all provisions of the Bank Secrecy Act and maintain complete confidentiality with all bank business.
Qualifications: To perform this job successfully, an individual must be able to perform each essential duty satisfactorily. 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.
Language Skills: Ability to read and comprehend simple instructions, short correspondence, and memos. Ability to write simple correspondence. Ability to effectively present information in one-on-one and small group situations to customers, clients, and other employees of the organization. Must have excellent verbal and written communication skills and be able to handle self in a professional manner under stressful circumstances with the ability to multi-task and work in a fast paced environment.
Mathematical Skills:Ability to add, subtract, multiply, and divide in all units of measure, using whole numbers, common fractions, and decimals. Ability to compute rate, ratio, and percent.
Reasoning Ability:Must have the ability to solve practical problems and carry out detailed but uninvolved written or oral instructions. Ability to deal with problems involving a few concrete variables in standardized situations.
Computer Skills: To perform this job successfully, an individual should be prepared to perform significant portions of their work in a computer based work environment. They should have experience with:
• Microsoft Word, Excel and Outlook
Physical Demands: While performing the duties of this job, the employee is frequently required to stand; walk; use hands to finger, handle, or feel and reach with hands and arms. The employee is frequently required to sit. The employee must occasionally lift and/or move up to 10 pounds. Specific vision abilities required by this job include close vision and ability to adjust focus.
Work Environment: The noise level in the work environment is usually moderate.
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