Personal Banker

Job Description

Job Description

We are growing and looking for Personal Bankers. Do you have experience with the following?

• Looking out for the Financial Wellness of members by thoroughly reviewing their accounts and building personal relationships to retain membership.
• Opening new bank accounts such as checking, savings, IRA’s.
• Opening new credit cards and analyzing credit reports
• Assisting with full lending needs such as analyzing loan requests, processing documentation, closing and funding the loan, follow up with the member and monitoring your queue.

If so, we invite you to consider a career at American 1 Credit Union! Below are more details before you decide to apply:

• Location: On-site in, Battle Creek, MI
• Position: Personal Banker
• Wage: 21.13/hour (Competitive)
• Benefits start on day one: Health, Dental, Vision, Responsible Time Off
• All offers of employment are contingent upon background screens .

The Personal Banker is responsible for delivering excellent member experience through a wide range of credit union transactions, including opening new memberships, lending, and more. The Personal Banker must maintain accurate records and follow all credit union processes, policies and procedures while serving the members. This position requires excellent communication skills to effectively engage and recognize the member’s needs and ensure that they are offered products and services that will assist the member with reaching financial wellness. The Personal Banker works collaboratively with their branch team to assure that the member experience is superior, and goals are achieved.

Essential Job Functions

• Engaged Communication: Ensure that engagement between co-workers and members is meaningful with a focus on listening to learn and offering quality solutions.
• GREAT Service Standards: Commitment to offering superior member experience while following all the GREAT service standards.
• Accurately Process Member Activity: Service all new and existing accounts, including internal transfers, updating accounts accordingly, ordering/reorder of member checks, process stop payment requests, card inquiries, and troubleshooting. Process all levels of loan applications including auto, credit card, home equity, etc. Submit all loan and membership applications in a timely manner for audit and examination purposes.
• Focus on Purpose/Mission: Focused on the credit union’s purpose and mission statement of creating financial wellness in our community through everyday banking.
• Scorecard Accountability: Cross-offer new checking, lending, and product protection to members that are consistent with individual and branch goals.
• Focused on Clear Member Communication: Properly notify members of loan decisions, follow up on approved applications, prepare all necessary documents, and finalize loan and disbursement of funds. Provide our members with excellent service in person and by phone, answer general and specific account and loan inquiries, and other related Credit Union services and products. Respond to members' requests, problems, and complaints, and/or direct them to the proper person for specific information and assistance.
• Employee Culture: Committed to supporting a culture that is inclusive for all.
• Core Process, Policy, and Procedure Review and Recommendations: Responsible for following all core processes, policies, and procedures including policies and procedures for customer identification and all BSA requirements.
• Community Advocate: Serves as a representative of the credit union while in the community.
• Branch Support: Commitment to working all assigned hours and having the flexibility to work from any credit union location within 20 miles of home branch. Willingness to mentor and support other team members. Assist teller line when needed, including processing members' deposits, withdrawals, loan payments, transfers initiated by phone or in person, and other miscellaneous member transactions efficiently and accurately.

Competencies Required

• People Focused and Strong Communication : Empathetically seek understanding of what members and team members require, expect, and use available resources, policies, and opportunities in their best interest without compromising institutional core values and core focus.
• Achiever, Initiative, and Goal Driven: The employee drives for results and success, is committed to their job, sets high standards of performance, pursues aggressive goals, and works hard to achieve them, displays a high level of effort and commitment to work, and takes ownership. Motivated to achieve goals . Measurable outcomes may include Sales, Growth, Retention, Productivity, Service level, Quality accuracy, Efficiency, Timeliness, Cost savings, etc. Committed to executing individual scorecard goals as well as achieving branch goals.
• Focused, Accuracy, and Attention to Detail: Thoroughness and accuracy in accomplishing a task through concern for all the areas involved, no matter how small. Monitors and checks work or information and plans and organizes time and resources efficiently.
• Trustworthy, Reliability, and Confidentiality : Personally responsible; completes work in a timely, consistent manner; works hours necessary to complete assigned work; is regularly present and punctual; arrives prepared for work; is committed to doing the best job possible; keeps commitments. Able to keep all information obtained confidential including member, employee, and credit union information. Follows all core processes, policies, and procedures.
• Engaged and Collaborative : The employee will work with others to achieve common organizational goals in a spirit of honoring diversity and mutual respect. Effectively communicates by actively listening and sharing relevant information with co-workers, supervisor(s), and members so as to anticipate problems and ensure the effectiveness of the institution.
• Humbly Confident and Inquisitive : Committed to asking questions for clarification so that confidence is built in the member relationships. Admit when there is an opportunity for improvement and celebrate with the team when we win together.

Key Accountability Items:

• Support and Collaborate with Branch Team
• Accuracy and completion of account and loan documentation
• Uphold GREAT service standards.
• Personal Scorecard Results
• High level of knowledge of all products and services

Requirements:

• A minimum education of high school diploma or GED.
• Prior customer service and sales experience.
• Credit union or banking experience preferred but not required.

The Ideal Candidate:

• Excellent verbal and written communication skills
• Working knowledge of PC applications such as Microsoft Office
• Ability to work independently or as a collaborative member of a team.
• Ability to direct other team members and coach others.
• Knowledge of credit union products, services, policies, core processes, and procedures.
• Ability to provide supervisory leadership of professional- and intermediate-level staff.
• Demonstrated member-focused strategy skills.
• Demonstrated skill in gathering, reporting, and summarizing trends in data.
• Ability to express oneself clearly and articulately both orally and in writing.
• Ability to make decisions and take initiative in problem resolution.
• Ability to exercise tact and responsibility with handling confidential information.

NOTE: The above statements are intended to describe the general nature and level of work being performed by people assigned to this classification. They are not to be construed as an exhaustive list of all responsibilities, duties, and skills required of personnel so classified. All personnel may be required to perform duties outside of their normal responsibilities from time to time, as needed.