Personal Banker
First Interstate Bank 48 reviews - Spearfish, SD

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SUMMARY

Provide superior service to customers in a professional manner. Open new accounts, explain and refer customers to appropriate areas of the bank including investments, trust, mortgage and other financial services. Develop, manage, and maintain consumer loans in accordance with established loan policy.

ESSENTIAL DUTIES AND RESPONSIBILITIES include the following. Other duties may be assigned.

Possess thorough knowledge of retail products and services in order to sell them to customers of First Interstate Bank. Understand the features/benefits of FIB products/services compared to our competitor’s products/services.

Establish rapport and build relationships with customers using First Interstate Bank’s sales process and techniques to effectively cross sell bank products and services.

Effectively interview customers to obtain information and explain or refer all financial services products available and appropriate for business and consumer customers. Originate all deposit accounts and related services including business and personal checking and savings, certificates of deposits, individual retirement plans, ATM or check cards, direct deposit and safe deposit boxes.

Interview consumer loan applicants, review loan applications, approve or deny loan requests. Prepare loan documents and close loans.

Maintain delinquency and loan charge-offs within acceptable levels.

Ensure compliance with consumer regulations through proper disclosure.

Develop new business and maintain existing business.

SECONDARY DUTIES AND RESPONSIBILITIES

Participate in community and civic organizations to promote goodwill, generate new business and support FIB sponsored events.

Perform other banking functions as required.

Requirements:
QUALIFICATIONS

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.

EDUCATION and/or EXPERIENCE

High School diploma or general education degree (GED) and two to four years of financial services experience in new accounts and consumer lending and/or equivalent job experience preferred. Experience profiling clients competencies including Microsoft office, loan software, intranet and internet.

CERTIFICATES, LICENSES, REGISTRATIONS

Credit Life & Disability Certification is preferred, but required to be obtained within 6 months of employment. Medallion Signature Guarantee Certification; Notary preferred.

LANGUAGE SKILLS

Ability to read and interpret documents such as safety rules, operating and maintenance instructions, and procedure manuals. Good written and verbal communication skills with ability to write routine reports and correspondence. Public speaking experience in group settings which may include customers, other employees of the organization and in public forums.

MATHEMATICAL SKILLS

Ability to add, subtract, multiply, and divide in all units of measure, using whole numbers, common fractions, and decimals. Ability to compute interest rates, ratios, and percentages and to draw and interpret bar graphs.

REASONING ABILITY

Ability to solve practical problems and deal with variables in situations where only limited standardization and procedural direction exists. Ability to interpret a variety of instructions furnished in written, oral, diagram, or schedule form.

PHYSICAL DEMANDS

The physical demands 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.

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 is frequently required to stand; walk and sit. The employee is occasionally required to 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, peripheral vision and ability to adjust focus.

WORK ENVIRONMENT

The work environment characteristics described here are representative of those an employee encounters while performing the essential functions of this job. Reasonable accommodations may be made to enable individuals with disabilities to perform the essential functions.

The noise level in the work environment is usually moderate.

About this company
48 reviews
First Interstate Bank is an $8.6 billion community banking organization, operating over 80 banking offices, along with online and mobile...