Personal Banker

Overview

As a Personal Banker, you will serve as a dependable consultant for our members, assisting them in reaching their financial goals by opening and providing tailored financial solutions. You will establish trusting relationships with members, understand their financial needs, and recommend appropriate products and services to satisfy their wants and needs. A suitable candidate will have a strong sales background, be passionate about providing outstanding member service, and have excellent communication skills.

A Personal Banker upholds legal, regulatory and compliance requirements unique to the role, in addition to Bank Secrecy Act, Anti-Money Laundering, OFAC, and Information Security policies and procedures. Completes annually required compliance and security awareness related courses as established by Harborstone Credit Union policies and/or practices.

A Personal Banker effectively builds trust with members and internal staff by embodying and demonstrating the Core Values of the organization. Consistently advocates for Harborstone’s members, offering opportunities for financial equity and prosperity and the tools necessary to help them thrive. Demonstrates value and difference by expertly informing our communities of effective financial products, services, and solutions to help them attain their full potential.

Compensation:

Minimum $24.99

Maximum $35.71

Applicant with desired mix of knowledge, skills and abilities can anticipate $26.78 - $28.56

Responsibilities

• Create Positive Experience: Greet and welcome members in a friendly and professional manner, establishing a positive first impression.

• Member Relationship Management: Build and maintain strong relationships with members, acting as their primary point of contact for all their banking needs and inquiries (in-person, over the phone, and via email).

• Financial Needs Assessment: Conduct a thorough review of members' financial situations, including income, expenses, assets, and obligations, to identify areas for product and service recommendations.

• Product Recommendation: Make recommendations and open products and services, such as checking and savings accounts, loans, credit cards, and investment options, based on each member's unique needs and goals.

• Educational Support: Provide members with clear and helpful information to improve their knowledge of finances while educating them about credit union products, services, and self-serve alternatives.

• Account Maintenance: Accurately and quickly process account changes and maintenance requests while making sure that credit union policies and procedures are followed.

• Documentation and Reporting: Maintain accurate and thorough documentation of member communications, transactions, and service requests while complying with all regulatory requirements and internal policies related to financial transactions and member confidentiality.

• Process Transactions: Handle cash and a variety of transactions accurately and efficiently, such as deposits, withdrawals, loan payments, and transfers.

• Problem Resolution: Assess and resolve member complaints and concerns in a timely manner, escalating the issue as necessary to ensure a timely resolution.

• Growth and Development: Stay informed about credit union products, services, and procedures through ongoing training and professional development opportunities.

• Operational Support: Assist with various operational tasks as needed to support branch efficiency and effectiveness.

Qualifications

• Member Service Skills: Demonstrated ability to deliver exceptional member service in a fast-paced environment.

• Attention to Detail: Strong accuracy and attention to detail in handling financial transactions and maintaining transaction records.

• Communication Skills: Excellent verbal communication skills with the ability to effectively interact with members and colleagues.

• Financial Aptitude: Solid understanding of financial products, services, and industry trends, as well as the ability to communicate complex financial ideas clearly.

• Problem-Solving Skills: Strong analytical and solving skills, including the ability to understand member needs and offer appropriate solutions.

• Integrity: Commitment to upholding ethical standards and maintaining member confidentiality.

• Team Player: Ability to work collaboratively with others to achieve common goals.

• Adaptability: Flexibility to adapt to changing priorities and operational needs.

• Reliability: Dependable and punctual with a strong work ethic.

• Tech Savvy: Proficiency in essential computer skills as well as experience with financial systems and software.

Minimum Performance Goals:

• Partner Referrals: Promote products and services that benefit our members and help thecredit union grow.

• Growth: Support branch goal by promoting and offering membership benefits including deposit and loan products and services.

Please note that a job description does not in any way identify ALL functions and/or responsibilities of the role. The position will support and/or provide service or value where needed.

Education/Experience/Certification:

• Graduated with a high school diploma.

• At least one-year experience in banking or financial industry.

Physical Considerations:

• Must be able to effectively read, write, and listen as well as communicate verbally, electronically and in written form with employees, members, board members, vendors, and the general public as required.

• May be asked to handle, move, and/or carry large boxes of supplies weighing up to 25 pounds.

• May require stooping, bending, squatting, and reaching for limited periods of time.

• May require sitting and standing for long periods of time.