What are the responsibilities and job description for the Personal Banker position at Trinity Employment Specialists?
Personal Banker Job Description
Job Title: Personal Banker
Department: Operations
Reports To: Personal Banker Supervisor
Status: Non-exempt
Pay: $40,000 – $50,000 annually
Personal Banker Job Summary
Responsible for opening new deposit accounts and assisting with account inquiries, maintenance, and issue resolution. Promotes and provides cash management products and services while ensuring a high level of customer service and professionalism.
Personal Banker Responsibilities
- Promote, explain, and process deposit products and services, including opening, closing, and maintaining checking, savings, time deposit accounts, and debit cards
- Promote, explain, and process cash management products and services, including online banking, ACH services, wires, positive pay, remote deposit capture, business bill pay, sweep accounts (ZBA), and merchant services
- Identify needs and refer customers to appropriate products or services
- Resolve inquiries and requests promptly, courteously, and professionally
- Maintain confidentiality and security of account information
- Represent and uphold the organization’s professional reputation
- Support team members as needed
- Perform other duties as assigned
This list represents the primary responsibilities of the position but is not all-inclusive and may be modified as needed for operational efficiency.
Personal Banker Required Skills
- Minimum of three years of new accounts experience with knowledge of banking services and cash management products
- Must have a current Notary or be willing to obtain one (application, bond, and seal provided at employer expense)
- Strong work ethic and high level of integrity
- Proficient in Microsoft Office applications (Word, Outlook, Excel, etc.)
- Friendly, outgoing, confident, assertive, and enthusiastic personality
Personal Banker Physical Requirements
- Requires prolonged periods of sitting
- Frequent typing and repetitive hand motion required
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* Interview clients to determine their current income, expenses, insurance coverage, tax status, financial objectives, risk tolerance, or other information needed to develop a financial plan.
* Advise clients on financial plans using knowledge of tax and investment strategies, securities, insurance, pension plans, and real estate. Duties include assessing clients' assets, liabilities, cash flow, insurance coverage, tax status, and financial objectives. May also buy and sell financial assets for clients.
* Recommend to clients strategies in cash management, insurance coverage, investment planning, or other areas to help them achieve their financial goals.
* Manage client portfolios, keeping client plans up-to-date.
* Implement financial planning recommendations, or refer clients to someone who can assist them with plan implementation.
* Analyze financial information obtained from clients to determine strategies for meeting clients' financial objectives.
* Answer clients' questions about the purposes and details of financial plans and strategies.
* Review clients' accounts and plans regularly to determine whether life changes, economic changes, environmental concerns, or financial performance indicate a need for plan reassessment.
* Contact clients periodically to determine any changes in their financial status.
* Investigate available investment opportunities to determine compatibility with client financial plans.
* Explain to clients the personal financial advisor's responsibilities and the types of services to be provided.
* Recommend financial products, such as stocks, bonds, mutual funds, or insurance.
* Prepare or interpret for clients information, such as investment performance reports, financial document summaries, or income projections.
* Monitor financial market trends to ensure that client plans are responsive.
* Guide clients in the gathering of information, such as bank account records, income tax returns, life and disability insurance records, pension plans, or wills.
* Meet with clients' other advisors, such as attorneys, accountants, trust officers, or investment bankers, to fully understand clients' financial goals and circumstances.
* Recruit and maintain client bases.