What are the responsibilities and job description for the Personal Banker position at Decorah Bank & Trust Company?
Description
Our team is growing and we are looking for a full-time Personal Banker to join our great team! As a Personal Banker, you will help clients achieve their financial dreams through relationship banking. In this role you will attract, develop, manage and retain banking clients by building strong customer relationships through active listening and delivering excellent customer service.
Responsibilities include providing basic financial banking guidance to clients, managing a consumer loan portfolio, recommending appropriate deposit products and other services, identifying and capitalizing on cross-sell opportunities and making appropriate referrals to internal sources.
Decorah Bank & Trust offers an excellent benefits package including medical, dental, life insurance, short-term and long-term disability insurance, generous paid time off, holiday pay, and a fantastic retirement plan (401k and Employee Stock Ownership Plan).
ESSENTIAL DUTIES AND RESPONSIBILITIES
- Develop relationships with colleagues, customers and community members.
- Perform proactive customer outreach to drive customer engagement and relationship building.
- Open, close and perform maintenance on various types of deposit accounts.
- Generate and close consumer loans within guidelines of bank policy and growth targets.
- Manage a consumer loan portfolio including exceptions, profitability, credit quality and collections on problem loans.
- Identify avenues to help customers achieve their financial dreams, making product or service recommendations and actively referring customers to other areas of the bank.
- Within the boundaries set, negotiate and balance pricing decisions with both the customer and the bank in mind.
- Document customer interactions and manage appropriate follow up using the bank’s customer relationship management platform.
- Contribute to department success through participation in weekly department meetings, setting and completing quarterly goals and other assigned tasks in a timely manner.
- Serve as a resource and sounding board to fellow Personal Bankers as they navigate new or challenging situations.
- Other duties as assigned.
Requirements
QUALIFICATIONS
To perform this job successfully, an individual must be able to perform each essential duty satisfactorily. The requirements listed below 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.
EDUCATION and/or EXPERIENCE
Associate’s degree (A.A.) or equivalent from two-year college or technical school preferred; 6-12 months related experience and/or training; or equivalent combination of education and experience.
LANGUAGE SKILLS
Ability to read, analyze, and interpret general business periodicals, professional journals, technical procedures, or governmental regulations. Ability to write reports, business correspondence, and procedure manuals. Ability to effectively present information and respond to questions from groups of managers, clients, customers, and the general public.
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 and to draw and interpret bar graphs.
REASONING ABILITY
Ability to apply common sense understanding to carry out instructions furnished in written, oral, or diagram form. Ability to deal with problems involving several concrete variables in standardized situations.
PHYSICAL DEMANDS The physical demands described here are representative of those that must be met by an employee to successfully perform the essential functions of this job. Reasonable accommodations may be made to enable individuals with disabilities to perform the essential functions.
While performing the duties of this job, the employee is regularly required to sit; use hands to finger, handle, or feel; and talk or hear. The employee is occasionally required to stand, walk, and reach with hands and arms. 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 work environment characteristics described here are representative of those an employee encounters while performing the essential functions of this job. Reasonable accommodations may be made to enable individuals with disabilities to perform the essential functions.
The noise level in the work environment is usually moderate.
OTHER QUALIFICATIONS
- Technology savvy with ability to learn various banking software platforms
- Proficiency in Microsoft Office Suite including Outlook, Word, Excel and PowerPoint
- Possess, or show a willingness to learn, personal banking knowledge including types of products and services and associated banking regulations
- Excellent communication and customer service skills
- Ability to negotiate and resolve conflict
- Ability to work in a fast-paced environment
- Functions effectively under pressure and during crucial conversations
- Proven track record of producing quality, error-free work
- Ability to meet deadlines