Personal Banking Officer
Bell's Values:
* As stewards, dedicated to the growth and reputation of this independently owned organization, we are committed to:
* Promoting and sustaining our family atmosphere.
* Providing unequaled personal service to each and every customer.
* "Paying it forward" by giving back to the communities we serve.
Our Bottom Line:
Happy Employees! Happy Customers!
Job Summary:
This position retains and expands existing customer personal deposit and loan relationships and acquires new customers by aggressively selling deposit accounts, consumer loans, and other retail banking services. This position meets various customer needs through a high level of personal contact and by referring customers to other bank departments for additional services.
Primary Duties:
* Customer Service and Customer Retention:
* Counsel customers regarding financial matters, advising them on products and rates, suggesting a strategy to obtain the best results based on individual desires and resources.
* Resolve customer problems, obtaining information, researching records and following up on details to resolve the matter to the customer's satisfaction, whenever possible.
Business Development:
* Develop business by calling on potential customers outside of the bank.
* Participate in various professional associations and community activities to enhance the Bank's visibility and to further personal development.
* Attend at least one of the six Chamber Business After-Hour Events.
Sales Programs:
* Actively participate in the Ask Program.
* Attend Quarterly Retail Sales Meetings
Training / Development:
* Attend and actively participate in training sessions as scheduled.
* Attend and actively participate in meetings as scheduled.
Production:
* Sell bank products and services through personal contact and direct mail including; loans, checking, savings, certificate of deposits, individual retirement accounts, and other retail banking services.
* Open business and personal accounts, preparing all permanent records.
* Solicit, originate, underwrite and close consumer loans. Manage loan portfolio with emphasis in the growth of the portfolio.
* Interview loan applicants, collect and analyze financial and related data to determine the general creditworthiness of the prospect and the merits of the specific loan request.
* Actively sell credit life and disability insurance on all qualified loan customers.
* Actively sell GAP on all qualified loan customers.
* Continue to enhance cross-selling skills and techniques.
* ncrease customer relationships by cross-selling to include phone and/or letter contact to existing customers for additional services.
* Cross-sell all products and services to new customers
* Responsible for the daily handling of overdrafts on assigned customer accounts and make decisions on accounts where the officer is not available.
Compliance and Regulatory Guidelines:
* Establish and negotiate, within the framework of the bank's loan policy, terms under which credit will be extended, including the costs, repayment method, repayment schedule and collateral requirements
* Complete online compliance testing quarterly.
Policies and Procedures:
* Understand and comply with all compliance regulations.
* Practice and comply with bank policy and procedures on a daily basis.
Security / Fraud:
* Ensure branch building, grounds and equipment are properly maintained.
* Attend all mandatory security training sessions
* Branch Collections / Technical Exceptions:
* Work your loan and deposit delinquency accounts daily.
* Work your technical exceptions on a weekly basis
* Must be able to work flexible hours to include evenings and Saturdays as scheduled.
* Volunteer for at least one Bell Bank event per year.
* Volunteer for at least one CEP per year
* Know by name and face as many customers and employees as possible, calling them by name as often as possible.
* Know and practice LOCBUTN, our Golden Rules, and Bell Bank Customer Service Standards.
* Know, understand, and live the company values and bottom line.
* Perform other duties as assigned.
Job Skills Required:
* Complete familiarity with the Bank's savings, checking, and lending policies and guidelines, as well as specific loan programs, qualifications, and insurance. .
* Interpersonal skills necessary to conduct business development calls to area agencies and builders and deal with potential savings and loan customers.
* Accuracy and high attention to detail.
* Ability to present oneself professionally at all times.
Click "apply" apply online
Bell Bank Equal Opportunity Employer