Personal Banker

Sales

• Performs various sales activities approximately 80% of the time.
• Maximize customer sales opportunities by cross selling accounts and services as appropriate.
• Expands portfolio relationships with high value customers by consistent profiling of appropriate customers, utilizing sales processes and behaviors to identify customers who have the potential for added value relationships, performing personal touches, evaluating customers’ financial needs, recommending solutions and asking for the business, etc.
• Provides qualified investment referrals to the appropriate branch personnel.
• Sells credit life and disability insurance, if licensed.
• Understands and effectively sells against the competitive market.
• Uses the internal prospect lists to make outbound calls.
• Obtains referrals from existing and high value clients
• Provides quality, personalized service to ensure customer satisfaction and retention.
• Actively participates in sales, product knowledge, and service meetings.
• May assist Territory Manager and Branch Manager in outsides sales activities.
• Acts as backup to other sales personnel to ensure effective customer service and office coverage.
• Represents the Bank at community events.
• Identifies mortgage loan needs and refers opportunities to mortgage lender.
• Stays current on business and economic events or conditions.
• Demonstrates understanding of financial concepts including customer life stages, time value of money and makes appropriate recommendations. Understands potential tax implications of financial decisions and refers customer to tax advisor when appropriate.

Operations

EDUCATION and / or EXPERIENCE :

High school diploma or equivalent and experience of at least two years in banking (or, two years in a related sales position). Undergraduate degree in a related field preferred. Proven effective sales ability and exceptional customer service skills required. Must have thorough knowledge of financial concepts. Knowledge of desktop automation tools.