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Personal Banker
Capital Bank
Cornelius, NC, United States
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Description
SUMMARY
Responsible for day-to-day service and sales activities necessary to achieve an excellent level of customer service and satisfaction. This position will perform a broad variety of functions, including, responding to customer inquiries and cross-selling bank products and services.
The following statements are intended to describe the general nature and level of work performed; they are not intended to be an exhaustive or exclusive list of the required responsibilities, duties and skills; Management retains the discretion to add to or change the duties and requirements of this position at any time, with or without notice, as business needs dictate.
ESSENTIAL DUTIES AND RESPONSIBILITIES includes the following. Other duties may be assigned.
1. Provides a complete range of prompt, efficient and courteous customer services by:
a) Greeting all customers by name.
b) Opening new accounts; processing new and existing accounts and receiving deposits.
c) Actively seeking out referral opportunities to cross sell items to existing customers; seeking out referrals for new customers and referring loan and wealth management opportunities to appropriate bank specialists.
d) Completing loan training which enables personal banker to originate consumer loan products offered by the bank.
e) Educating, referring and recommending available and appropriate products and services to existing and potential customers.
f) Following the Companies pre-defined sales processes/playbook.
2. Carrying out the bank’s client retention strategies by anticipating customer needs and cross selling when appropriate, in accordance with established policies and procedures; taking initiative to acquire and maintain up-to-date knowledge of bank products and services.
3. Partnering with Teller teammates to uncover additional existing and potential customer needs; pro-actively focusing on building and deepening all customer relationships.
4. Comprehends, adheres to, and enforces all security and compliance procedures for protection of assets, including consistent use of dual control; ensures that customer confidentiality is maintained at all times.
5. Completes, passes and maintains an up to date status for all positional and company required compliance and regulatory courses by assigned due date(s).
6. Participates in special projects and assignments and performs other duties as assigned.
Requirements
To perform this job successfully, an individual must be able to perform each essential duty satisfactorily. The requirements listed below are representative of the knowledge, skill, and/or ability required. Reasonable accommodations may be made to enable individuals with disabilities to perform the essential functions.
QUALIFICATIONS:
• High School diploma or GED and a minimum of 2 years previous Bank Teller experience or an equivalent combination of education and experience.
• Ability to successfully complete Platform training and pass the final exam.
• Intermediate knowledge of MS Office preferred with strong keyboarding and 10-key skills.
• Ability to read and listen, understand and communicate information and ideas in a clear and understandable manner, both orally and in writing.
• Strong customer service skills with the ability to handle a variety of customer situations, sometimes simultaneously with a strong attention to detail.
• Ability to recognize opportunities and cross-selling products and services to existing and potential customers.
• Certificates and Licenses: The Company may be required to complete a new background and credit check for NMLS registered as dictated by the SAFE Act.
CONTROL RELATED RESPONSIBILITIES: Become knowledgeable regarding the department's internal controls as outlined in the policies and procedures and comply with all control requirements.
COMPLIANCE: Ability to comprehend and adhere to Federal and State banking regulations, including compliance with the Bank’s Bank Secrecy Act/Anti Money Laundering (BSA/AML) program. Follows all Company policies and procedures, and successfully participates in regulatory and Company training requirements via multiple and variable delivery methods.
COMMITMENT TO INSTITUTIONAL COMPLIANCE AND SOUNDNESS
Displays commitment to ensuring compliance with regulatory regulations through:
• adhering to regulatory requirements
• monitoring and reporting BSA/AML risks
• completing assigned compliance training courses
SAFETY, SECURITY and CONFIDENTIALITY: This position requires keeping complete confidentiality of all customer transactions and information, and paying close attention to security within and around the bank's premises at all times.
The physical demands, travel and work environment described here are representative of those that must be met by an employee to successfully perform the essential functions of this job. Reasonable accommodations may be made to enable individuals with disabilities to perform the essential functions.
PHYSICAL DEMANDS: While performing the duties of this job, the employee is regularly required to use hands to finger, handle or feel; reach with hands and arms; and talk or hear. The employee frequently is required to sit. This position regularly uses a computer (keyboard/mouse/screen) and telephone. The employee is occasionally required to stand; walk; climb or balance; and stoop, kneel, crouch, or crawl. The employee must occasionally lift and/or move up to 25 pounds. Specific vision abilities required by this job include close vision, and ability to adjust focus.
TRAVEL: Work includes limited or up to 10% travel and occasional trips outside the normally assigned geographic area with possible overnight stays.
WORK ENVIRONMENT: The work is performed in a normal office environment. The noise level in the work environment is usually low to moderate.