What are the responsibilities and job description for the Personal Banker position at Security Bank Tulsa?
Summary/Objective
The Personal Banker (PB) assists customers and prospective customers by determining needs when opening accounts as well as with the ongoing needs of the customer once the account is established. The PB meets the needs of customers by providing quality service and present the bank in a professional manner. The PB will work to expand existing relationships beyond one or two deposit products by analyzing a customer’s portfolio and determining additions of value-added products and services.
Principal Duties
Reasonable accommodations may be made to enable individuals with disabilities to perform principal duties and essential functions described herein.
1. Opening accounts, counseling with customers to establish which products meet their specific needs. The position requires that the employee have extensive knowledge of Bank deposit products, both commercial and individual, in order to assure they are meeting the needs of the client.
2. Accept deposits being made to open accounts, determine proper funds availability based on regulation requirements and complete hold notices when necessary.
3. Add value-added products and services to existing customers. This does not necessarily mean additional accounts but could be online banking services, special alerts, debit cards, etc. This can be achieved by follow-up communications after the account opening process via phone, email or letter.
4. Cross-Selling bank services such as debit cards, Merchant M/C Visa, ACH as well as additional accounts and loans.
5. Answer basic customer inquiries regarding interest rates, service charges and account histories while complying with disclosure requirements.
6. Assist customers and prospective customers with inquiries concerning FDIC Insurance Limitations; IRA investment and redemption requirements; and other product governmental guidelines.
7. Customer support with problems and issues that arise, such as NSF activity, Stop Payments, Balancing Accounts and Debit Card disputes.
8. Managing and overseeing daily NSF and Overdraft processing as well as collection practices.
9. Be knowledgeable about and assist Customers with Electronic Banking Functions such as Online Banking, Bill Pay, Remote Deposit Capture and Mobile Banking.
10. Be knowledgeable about Wire Transfer Policies and Procedures and assist walk-in customers with completing proper documentation to initiate the transfer process.
11. Assist Bank employees with questions regarding deposit accounts and provide support to enable them to best serve the customer.
12. Statement Research.
13. Become knowledgeable with and ensure compliance with regulations of governing agencies and industry best practices. These include but are not limited to:
- FDIC Insurance Limitations
- ATM & Debit Card Systems & Error Resolution
- Online Banking & Bill Payment
- IRA Investments and Redemption
- Electronic Fund Transfers (Reg E)
- Truth in Savings (Reg DD)
- Funds Availability (Reg CC)
- OFAC
- Customer Identification Program (CIP)
- AML (Anti-Money Laundering) including Red Flags
- Bank Secrecy Act
- Privacy Act
- Information about Overdraft Protection Plans (ODP)
14. Follow all Bank policies and procedures
Other Duties
1. Establish and maintain Notary Public Commission (at bank expense) and assist customers as needed, honoring the laws that they are bound to by oath and affirmation.
2. Assist customers with access to safe deposit boxes.
Please note this job description is not designed to cover or contain a comprehensive listing of activities, duties or responsibilities that are required of the employee for this job. Duties, responsibilities and activities may change at any time with or without notice.
Essential Functions
1. As this is a front-line customer service position, attendance within policy guideline is essential. Exceptions to this, for medical or other pre-approved absences, should be documented in an individual’s personnel file.
2. A primary function is to communicate with customers, bank employees, and others. Employee must be able to express oneself and exchange accurate information in person, by phone and/or email.
3. Employee must be able to input, retrieve and assess information from computer and other office machinery.
4. Employee will operate a computer and other standard office communication devices and productivity machinery.
Competencies
1. Communications Proficiency
2. Customer/Client Focus
3. Stress Management/Composure
4. Thoroughness
5. Cross-Selling
6. Work in a Team Environment with the ability to interact well, and in a positive manner, with peers and management
Supervisory Responsibility
This position has no supervisory responsibilities.
Work Environment
This job operates in a bank branch office. It is a professional environment.
Position Type and Expected Hours of Work
This is typically a non-exempt full-time position. Hours may fluctuate due to workload and customer needs; however, the normal work week is expected to be 40 hours; between 8:00 a.m. and 6:00 p.m. Monday-Friday.
Reports To:
Deposit Services Manager
Qualifications
Required Education and Experience
1. High school diploma or equivalent.
2. Customer Service.
3. 2 Years Banking and Deposit Account Management Experience Preferred.
Additional Eligibility Qualifications
1. Must be Bondable
EEO Statement
Security Bank is an equal opportunity employer. This means Security Bank will not discriminate in any of its employment practices on the basis of sex, age, race, color, mental or physical disability, national origin, religion, sexual orientation, marital or veteran’s status, or other legally protected status. All employees have the responsibility to adhere to this policy and to use all efforts to further its implementation.