Description

Job Title:  Personal Banker

FLSA: Non-Exempt
Function: Operations
Reports To: Branch Manager

Purpose: Welcome members as they arrive to the credit union, answering questions and directing members to the appropriate department. Service member’s financial needs and transaction requests as they relate to aspects of their accounts, including, checking/savings accounts, loans, and account services. Educate members on credit union products and services. Provide members with World Standard service in accordance with the credit union’s core values and service promise. 

Responsibilities:

• Lead by example, being mindful of how your actions reflect upon yourself, and upon Arbor
• Coach and encourage others to foster a supportive work environment
• Lead by example by embracing and consistently following all steps listed in the Perfect Hour for Personal Bankers, and the New Account Opening Process
• Service member’s financial needs and process account transactions, including non-monetary requests, with a high level of accuracy 
• Take proactive ownership of all members you assist, serving as his/her primary contact, finding answers and solutions, serving as the member’s advocate, and proactively communicating with the member throughout the lending process
• Interview new members, educate, and refer valuable products and services to help the member save time and money
• Interview credit applicants, looking for opportunities to save the member time and money with Arbor products and services, relative to both the product the member wishes to apply for, and other beneficial products and services to fit their needs
• Create and maintain a Book of Business for Arbor Loyalty Members, making regular contact to maintain and nurture relationship through the offering of innovative financial solutions
• Open, maintain, update, and close member accounts when appropriate
• Obtain and analyze credit bureau reports and approve credit union services within established authority Answer phone calls promptly and professionally, using a warm hand-over when transferring phone calls 
• Maintain an up-to-date and comprehensive knowledge of the credit union’s products and services 
• Dependent on the branch staffing model, the following duties could be required: Open and close the branch while maintaining branch security. Assist in maintaining branch cash levels and ensure the accurate balancing of the branch and frontline staff. Schedule and coordinate branch and teller audits with appropriate staff. Lead the branch team in the absence of the branch manager and the assistant branch manager. Answer after-hour/emergency phone calls from EPS and follow procedures for responding
• Provide back up support on the teller line as needed
• Promote and maintain a confidential environment to protect member and credit union information 
• Follow all credit union policies, procedures, and requirements in addition to all state and federal laws and regulations
• Comply with Bank Secrecy Act, OFAC, and USA PATRIOT Act including accurate completion of Currency Transaction Report and Monetary Instrument Log, reporting of suspicious activities to a supervisor, Customer Identification Program for new members, accurate completion of new account activity profile, and identifying high risk accounts at account opening
• Create and promote a positive professional image of one’s self and the credit union
• Exemplify the credit union’s core values, service promise, and World Standard service
• Adhere to Arbor Financial Credit Union’s attendance policy
• Arrive to work and meetings on time
• Complete assignments in a timely manner

Perform all other duties as assigned 

Requirements

Education and Experience:

• College coursework or equivalent experience required
• Financial services industry experience 
• Service/sales experience preferred 

Skills, Abilities, and other Requirements: 

• Strong work ethic
• Strong desire for collaboratively serving others
• Strong computer and application skills
• Necessary verbal and written communication and grammar skills
• Ability to be bonded required
• Ability to successfully organize, prioritize, and manage multiple responsibilities 
• Ability to keep up with a busy work flow
• Ability to sit/stand for long periods of time
• Ability to perform repetitive tasks
• Occasional travel to offsite locations may be required
• Team player with a positive attitude and flexibility
• Professional demeanor and personal accountability