Personal Banker

The Personal Banker I is responsible for assisting customers with personal loans and opening basic deposit accounts. This role involves accepting loan applications, compiling necessary documentation for credit review, and managing personal checking and savings accounts, including Certificates of Deposit (CDs). A key aspect of this role is cross-selling bank products and services, such as online banking, credit cards, and other financial offerings, based on customer needs. Personal Bankers must demonstrate initiative and sound judgment to effectively respond to customer requests while maintaining a high level of service.

In this position, Personal Bankers will assist customers with personal loan applications, organize the necessary documentation for credit review and analysis, and manage personal deposit accounts. They will also be expected to promote and cross-sell bank products and services, ensuring they match customer needs. Building and maintaining a consumer loan portfolio is a key responsibility, along with ensuring compliance with all regulatory and policy guidelines. A high level of customer service is required, with a professional demeanor maintained during all interactions.

Personal Bankers will work independently and as part of cross-functional teams to achieve departmental and customer goals. They will also serve as a liaison, maintaining clear communication between customers and internal support staff. This role requires individuals to demonstrate good judgment, initiative, and an ability to solve problems efficiently while providing a seamless customer experience. The position demands a strong understanding of bank policies and regulatory guidelines, as well as the ability to work in a fast-paced environment while handling sensitive customer information.

DUTIES AND RESPONSIBILITIES:

Technical Lending Responsibilities

• Assist in originating and/or renewal of loans, through an initial interview with borrower, gathering required documentation and review of business and personal history and existing banking relationships. Present the evaluation to Lender/supervisor. In conjunction with Lender, may assist in renegotiating any changes with the borrower.
• Develop and maintain a relationship with borrowing customers to broaden the bank's public image and to develop additional business for the bank.
• Complete joint calls with other lending officers to gain experience calling on customers.
• Position may be required to register and maintain current Mortgage Loan Originator registration, as required by law.
• Position may be required, as determined by supervisor/management, to provide notary services at the bank.
• Participate in on-going lending training as assigned.

Technical Deposit Responsibilities

• Explain the different types of bank products and services available to customers and assist them in the selection of the products that are most appropriate for their needs.
• Open and maintain personal and/or savings accounts; enter and update information on accounts; and prepare all the related documentation.
• Issue and cash out Certificates of Deposits; prepare correct documentation; review terms and calculate penalties and interest if they apply; and notify customers of CD renewal deadlines.
• Investigate and research customer complaints and account problems and recommend alternatives for resolving the complaints/problems. Adjust accounts in accordance with established bank policy and with approval of the supervisor, as needed.
• Provide response to customer service types of requests such as, but not limited to, the following: ordering check cards, ATM cards, change addresses, process Harland Check orders, deposit tickets, and endorsement stamps.
• Cross sell and/or refer customers to other bank products and services such as credit cards, merchant processing, and online banking services.
• Complete on-boarding calls to customers on a daily basis, with personal correspondence to the customers as an additional follow up.
• Monitor, follow up on closed account report, and non-sufficient fund items.
• Maintain strict confidentiality in processing customers' records and files.

Compliance and Security

• Take responsibility for remaining compliant with all applicable banking laws and regulations as well as following company policies and procedures, management directives, security, and operational procedures.
• Accountable for maintaining accuracy and attention to detail in all aspects of the job.
• Responsible for keeping all information related to customers, co-workers, and the bank private and confidential. Assure that any private information is accessed only as it pertains to the performance of your position, being aware of others who can hear your conversations or view private information.
• Proactively protect WSB and its customers from counterfeit and fraudulent activity by staying current on fraud warnings and initiating discussion with customers regarding specific transactions to prevent potential loss to customers and WSB.
• Complete all required annual compliance training and continuing education to stay current with bank policy, regulations, and licensing requirements.
• Responsible to stay aware of, and adhere to, the banks security policy. Required to notify management of any situation that may cause a security risk.

Customer Relations

• Provide superior internal and external customer service: must demonstrate self-governance, courtesy, and respect toward external customers as well as internal customers.
• Is knowledgeable on our banking products and services.
• Can communicate requests and product information in a manner that is understood by the customer.
• Demonstrates a "customers come first" approach when prioritizing tasks.
• Maintains a professional, courteous, service-oriented relationship with all internal and external customers.

Miscellaneous Duties

• Must comply with applicable laws and regulations, including but not limited to, the Bank Secrecy Act, the Patriot Act, and the Office of Foreign Assets Control.
• Complete required bank and OnCourse training courses within assigned time frame(s).
• Represent Western Security Bank in a professional manner which includes a professional image, confidentiality, a positive "can-do" attitude, good attendance, punctuality, flexibility and adaptability in meeting bank and customer needs.
• Keep work area tidy and maintain customer privacy.
• Attends and participates in meetings as required.
• Additional duties as requested or assigned.

MINIMUM QUALIFICATIONS:

• High School Diploma or equivalent required.

• Bachelor's degree in business, finance, or related field preferred.

• A minimum of 2 years banking experience required.

• Previous new accounts experience preferred.

KNOWLEDGE, SKILL, ABILITY:

• Working knowledge of Jack Henry Experience
• Basic knowledge of electronic banking products and/or non-electronic banking products with the ability to recommend appropriate products for internal and external customers
• Excellent interpersonal communications skills including customer service orientation and strong listening skills.
• Strong written and verbal communication skills.
• Strong analytical skills.
• Ability to prioritize and organize heavy workload(s) and demonstrate effective time management skills.
• Ability to work well under pressure with a high degree of attention to detail.
• Must have the ability to work in a professional manner and consistently demonstrate courtesy, customer service, and tact in a fast-paced/deadline-oriented environment.
• Ability to work quickly and accurately; perform effectively under pressure; meeting multiple, and sometimes competing, deadlines and make decisions based on regulation(s), company policy(s), knowledge, and experience.
• Mathematics and reasoning are constantly used/required on the job.
• Memory and estimating are frequently used/required on the job.
• Problem solving and exercising judgment are frequently used/required on the job.
• Ability to define problems, collect data, establish facts, and draw valid conclusions
• Must be able to operate routine office equipment including computer terminals and keyboards, telephones, copiers, facsimiles, and calculators.
• Must be able to routinely perform work on computer and over the phone for an average of 6-8 hours per day, when necessary.
• Must be capable of regular, reliable, and timely attendance.
• While performing the duties of this job, the employee constantly works with time constraints and maintains attentiveness, duration, and intensity. The employee frequently has routine workflow. The employee frequently exercises flexibility (the ability to shift from one task to another). Guidance, reinforcement, and co-worker support are available frequently. The employee is frequently involved in social interaction which requires frequent oral and written communications.

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 often required to: sit; use hands in repetitive motions to finger, grasp, handle or feel; and talk or hear. The employee is occasionally required to: stand; walk; and lift or reach with hands and arms. The employee may also be required to:

Must be able to operate routine office equipment including computer terminals and keyboards, telephones, copiers, facsimiles, and calculators. Must be able to routinely perform work on computer for an average of 6-8 hours per day, when necessary. Must be able to work extended hours or travel off site whenever required or requested by management. Must be capable of regular, reliable and timely attendance. Must be capable of climbing / descending stairs in an emergency situation.

Specific lifting abilities required by this job include:

Specific vision abilities required by this job include: The worker is required to have close visual acuity to perform an activity such as: preparing and analyzing data and figures; transcribing; viewing a computer terminal; extensive reading; visual inspection involving small defects, small parts, and/or operation/inspection of machines and/or using measurement devices at distances close to the eyes.

COMPENSATION & BENEFITS: Starting salary is dependent upon relevant experience and may vary based on the geographic location of the position. We offer an extensive benefits package that includes, but is not limited to medical, dental, vision, and life insurance, a health savings account option, an Employee Assistance Program (EAP), a health rewards program, a 401(k) retirement savings plan, discounts on banking products and services, Paid Time Off (PTO) and holidays. Visit our website for more details!

COMPANY OVERVIEW: We are a family of banks whose unique local presence reflects the communities we serve. We welcome the opportunity to grow and change as our customers and communities do the same. Read our story, learn about our banks, and experience life at Glacier Bancorp, Inc. all from our website. Check it out!

We are an Equal Opportunity Employer and qualified applicants or employees will receive consideration for employment without regard to race, color, religion, national origin, sex (including pregnancy), sexual orientation, gender identity, mental or physical disability, genetic information, protected veteran status, or any other category protected by applicable federal, state or local laws.

Glacier Bancorp, Inc. does not sponsor applicants for work visas. All applicants must be legally authorized to work in the US.

No Recruiters or unsolicited agency referrals please.