Personal Banker

Personal Banker

The Personal Banker is responsible for providing support and coverage to branch banking team members and building and maintaining relationships with members to help them achieve their financial goals. The role is expected to identify their financial needs and offer appropriate solutions, such as opening new accounts, providing loan options, and helping members with their investments. The primary goal is to provide excellent member service while achieving sales targets and promoting the credit union's products and services. The team member will work closely with other team members to ensure that the credit union policy and procedures are followed and that all member interactions are handled professionally and efficiently. The role may provide support and coverage to tellers and other branches.

Principle Duties and Responsibilities

• Willingness and ability to exhibit Wellby Core Values every day.
• Works purposefully and is driven to provide the best team member experience.
• Establishes and maintains a positive relationship by creating an exceptional experience and making the member feel valued.
• Engage members as they enter the branch by welcoming and making them feel appreciated, including managing lobby traffic, checking members into the waiting queue, and scheduling / canceling appointments.
• Engage with Branch Partners and other lines of business to offer the most appropriate products.
• Identify changes in members' financial situation and banking needs and recommend relevant solutions to enhance the member's financial goals.
• Recommends and assists members with convenient technology solutions including but not limited to Online Banking, mobile applications, etc.
• Achieve sales targets as required by management.
• Member Service functions; open new accounts, checking, certificates, money markets, IRA, CD, account maintenance, and outbound new deposits, etc.
• Verifies eligibility for new accounts and processes through the system before opening the account.
• Specialized account functions; separation / divorce account changes, estate expertise, etc.
• Drives proactive sales conversations through internal and outbound interactions with a defined sales process, including outbound calling, service to sales, teller interactions, appointment setting, and effective lobby engagement.
• Loan origination functions : creating and processing a new loan application. This process includes gathering information from the borrower, assessing their creditworthiness, and determining the terms and conditions of the loan. This may include outbound loan win-back campaigns, etc.
• Provides timely responses to members and other team member requests.
• Accountable for the vault, dual-control access, and increased approval authority limits in coordination with leaders of branch locations.
• Maintains a work area that ensures the safety of all negotiables and confidential records.
• Orders a cash supply to meet daily needs.
• Adheres to all security policies for the branch, including the opening and closing procedures of the branch.
• Implements processes as required by the Bank Secrecy Act and Wellby policies and procedures, including but not limited to completing and submitting Currency Transaction Reports, being knowledgeable of signs of unusual financial activities, and reporting signs of unusual activity and / or completing reporting for Suspicious Activity Report as appropriate per procedure.
• Completes all mandatory compliance testing by deadlines. Implements processes as required by the Bank Secrecy Act and Wellby policies and procedures.
• May perform teller transaction functions as needed, including deposits, withdrawals, transfers, payments, etc., accurately and efficiently while complying with all policies, procedures, and regulatory requirements.
• Performs other related duties as assigned.

Knowledge, Skills, and Abilities (KSA)

Supervisory Responsibilities

Complexity & Scope of Work

Physical Demands & Work Environment

Work Hours

Minimum Qualifications

This is a Full-Time, Hourly (non-exempt) role.