What are the responsibilities and job description for the Personal Experience Banker position at THE PADUCAH BANK AND TRUST COMPANY?
Position Title: Personal Experience Banker
Department: Consumer Services
Reports To (position): Branch Experience Manager
General Summary/Purpose
The Personal Experience Banker serves as a trusted financial partner, delivering exceptional customer experience through personalized service and expert guidance. This role is responsible for handling teller transactions, opening consumer and business accounts, accepting loan applications, and assisting customers with all their banking needs. The Personal Experience Banker also plays a critical role in fraud detection and prevention, ensuring the financial safety of both the bank and its customers. With a “One Team” mentality, this individual collaborates across all departments and supports branches as needed to provide seamless service.
Key Duties and Responsibilities
#1 Customer Service & Relationship Building Percentage of time: 40%
• Serve as a trusted advisor by understanding customer needs and providing tailored financial solutions.
• Deliver exceptional service through in-person interactions, phone calls, and digital channels.
• Educate customers on banking products, services, and digital banking options.
#2 Teller & Transactional Services Percentage of time: 40%
• Process deposits, withdrawals, transfers, and other transactions accurately and efficiently.
• Handle cash and negotiable instruments securely, following bank policies and procedures.
• Balance the cash drawer and maintain appropriate cash limits.
#3 Account & Loan Services Percentage of time: 5%
• Open and maintain consumer and business accounts while ensuring compliance with bank policies.
• Assist customers with loan applications, providing guidance on available loan products.
• Conduct account maintenance, wire transfers, and other banking services as needed.
#4 Fraud Prevention & Risk Management Percentage of time: 10%
• Stay vigilant in detecting and preventing fraudulent activity.
• Educate customers on security best practices to protect their accounts.
• Follow compliance procedures and report suspicious activities as required.
#5 Collaboration & Team Support Percentage of time: 5%
• Work closely with all departments to provide a seamless customer experience.
• Support other branches as needed with a flexible and team-oriented mindset.
• Foster a positive, customer-focused, and inclusive work environment.
Qualifications:
Education, Training and Skills Required
(Identify the minimum required to perform the duties and responsibilities.)
____ Limited training normally acquired through high school education
__X_ Specialized education/training normally acquired through up to 18 months’ of higher education
____ Education/training equivalent to an Associates’ Degree
____ Education/training equivalent to a Bachelors’ Degree
____ Education/training equivalent to a Masters’ Degree
____ Advanced education/training in a recognized field of specialization, e.g. CPA, MBA
____ Other (please specify)
Experience Required
(Identify the minimum required to perform the duties and responsibilities as well as the type of experience required.)
____ None
____ Three months to one year
_X__ More than one year, fewer than three years
____ More than three years, fewer than five years
____ More than five years, fewer than eight years
____ More than eight years
* Additional Qualifications & Skills:
• Prior banking or financial services experience preferred but not required.
• Strong customer service, relationship-building, and problem-solving skills.
• High attention to detail, with a proactive approach to fraud detection and risk management.
• Ability to work in a fast-paced, team-oriented environment.
• High school diploma or equivalent required; additional education in business or finance is a plus.