Personal Banker 1 - Ayer

Personal Banker I

Within the Retail Branch team at Main Street Bank, our Personal Bankers excel in nurturing customer relationships and recommending products and services. Leveraging their product knowledge in every interaction, they identify customer needs and offer tailored financial solutions, ensuring a hassle-free banking experience. Under the direct supervision of the Assistant Manager / Branch Manager or Branch Administrator, the Personal Banker I manages a wide spectrum of customer service transactions, including teller line operations, and play a crucial role in guiding customers to the appropriate departments for non-deposit transactions. Moreover, the Personal Banker I may extend their support to branch and retail initiatives that have an impact on both the department and the entire bank. In keeping with our established sales and service culture, this role actively contributes to the attainment of the bank's goals.

Essential Duties and Responsibilities :

• Asking personalized questions to convert transactions, account maintenance and other routine service requests into cross-sell conversations that deepen client relationships while meeting the customer's needs.
• Manages the opening of various deposit accounts, ensuring the necessary documentation is complete and properly filed.
• Demonstrates a proactive approach to cross-selling bank products, making tailored recommendations to meet customer needs.
• Skillfully manages phone inquiries related to account activity and balances.
• Maintains and organizes the teller workstation, ensuring an adequate supply of cash, forms, and other essentials for daily operations.
• Executes a diverse array of customer transactions, including deposits, withdrawals, cash disbursements, loan and mortgage payments, check processing, money order issuance, and account transfers.
• Delivers a wide range of customer services, such as handling change of address requests, re-pinning debit cards, adding notes to customer accounts, and assisting with Certificate of Deposit renewals.
• Upholds meticulous record-keeping practices and conducts accurate end-of-shift balancing procedures, promptly reporting any discrepancies to supervisors.
• Cultivates an in-depth understanding of bank policies, products, and services and continuously updates this knowledge through participation in seminars and courses.
• Adheres to established bank security procedures concerning cash levels, check cashing, and transaction processing.
• Adapts to various roles, including operating a Customer Service desk, lobby window, or drive-up services, as needed.
• Maintains a well-organized work area, ensuring efficiency and cleanliness.
• Consistently successful random monthly cash drawer audits and alarm testing in line with the Branch Manager's monthly report.
• Professionally and promptly handles customer problems and complaints, coordinating appropriate follow-up actions.
• Directs consumer loan requests to the relevant branch personnel, while maintaining a basic knowledge of the bank's consumer loan products.
• Upholds a record of regular and consistent attendance to sustain high standards of customer service. Occasionally participates in before / after hours and weekend community events.
• Ensures compliance with Bank Secrecy Act regulations and internal / operational risk controls, attending mandatory training sessions and completing required online courses.
• Exemplifies adherence to all company policies and serves as a role model in policy compliance.
• Occasionally travels locally for bank-related purposes, including staff meetings, training, business calls, networking, and community / marketing events.
• Periodically participates in community events outside regular business hours, as needed.
• Regular and consistent attendance is required in order to continue the high standard of customer service as well as occasionally participating in before / after hours and / or weekend community events.
• In the performance of respective tasks and duties, the employee is expected to maintain knowledge of and ensure compliance with Bank Secrecy Act regulations and adheres to compliance procedures and internal / operational risk controls in accordance with any and all applicable regulatory standards, requirements and policies as well as attending all required training sessions and completing all required on-line training courses.
• The employee is expected to adhere to all company policies and act as a role model in the adherence to policies.
• Other duties as assigned, performing similar or related work as directed, required, or as situation dictates.
• Shares responsibility for achieving branch goals.
• Participates in Branch activities that generate new business such as promoting branch sales culture and special promotional events.
• Occasionally represents the financial institution in before / after hours and / or weekend networking and community service events.
• Consistently exceeds customer service expectations by offering excellent service, including greeting customers, smiling, using their name and building rapport with customers designed to generate customer loyalty.
• Maintains a solid knowledge of Bank's deposit and loan products as well as additional services offered.
• Provides counsel to existing and potential customers regarding product and / or service selection.
• Evaluates customer problems and complaints and resolves them to ensure customer satisfaction.
• Assists customers with teller line transactions and as well as account opening and maintenance.

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