Personal Banker
Valley Bank, Toms River, NJ, United States
The Personal Banker will provide effective support of sales and service activities within the banking office, developing new business by educating existing and potential clients and exemplifying Valley's quality service standards. The role includes providing a variety of banking solutions by analyzing needs, recommending solutions, and selling bank products and services. The personal banker performs routine banking transactions while supporting the Market Manager in achieving quality service and complying with operational procedures.
Responsibilities
Responsible for providing exceptional customer service in accordance with Valley's mission statement and engaging customers with friendly and professional service.
Knowledge of all bank products and services and ability to educate and demonstrate customers; cross‑selling various products and services.
Ability to present a confident and professional demeanor to establish trust and gain knowledge from the customer, analyze needs and recommend appropriate products and services.
Meet with customers to analyze financial needs and maximize sales opportunities; offer all bank products and assist with other service needs, open new accounts (checking, savings, certificate of deposit, IRAs), discuss and sell loan products to existing and prospective customers, and possess knowledge of online and mobile banking to promote and demonstrate to customers.
Responsible for meeting customer expectations and achieving service quality standards; participate/oversee the sales referral process ensuring customer financial needs are met and assist management in coaching and mentoring branch staff members.
Perform all customer transactions and use appropriate technology to provide services most effectively and efficiently; maintain and balance a cash box; utilize technology such as teller scanning equipment, cash recycling and cash dispensing machines, and support customers in the use of coin machines.
Act as vault teller ensuring adequacy of branch cash for daily transactions by assisting the branch staff in ordering and shipping currency—coin and controlling—distributing cash to tellers in prescribed limits.
Assist in community events (e.g., Habitat for Humanity); participate in and support CRA initiatives, activities and programs.
Report all significant matters, issues and unusual customer activity to manager; maintain personal knowledge of compliance and regulatory requirements.
Maintain knowledge and compliance with the bank's code of conduct and all policies and procedures.
Required Skills
Excellent verbal and written communication; ability to write correspondence and appropriately demonstrate products and services to customers.
Excellent interpersonal—customer service skills, attentiveness, information retention, tact and diplomacy in dealing with both customers and employees.
Strong analytical, problem‑solving, and decision‑making skills to effectively uncover and resolve complex customer issues.
Ability to make sound decisions, including on‑the‑spot decisions regarding customer transactions, weighing customer satisfaction issues with bank exposure to loss or fraud, and thinking through and rationalizing decisions.
Ability to interpret a variety of instructions furnished in written, oral, diagram or scheduled form.
Provide deep understanding of retail banking and strong customer service skills, engaging customers in conversation regarding products and services.
Detail oriented, strong organizational skills, and high degree of accuracy.
Ability to manage multiple projects simultaneously.
Proficient computer skills.
Required Experience
High school diploma or GED and minimum 1 year of business services experience in branch banking and knowledge of branch operations or successful completion of a Valley Retail training program.
Associate's or bachelor's degree with concentration in accounting, business, finance, economics or a related field is preferred.
Preferred Experience
FIS/IBS (Integrated Banking Solutions).
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Responsibilities
Responsible for providing exceptional customer service in accordance with Valley's mission statement and engaging customers with friendly and professional service.
Knowledge of all bank products and services and ability to educate and demonstrate customers; cross‑selling various products and services.
Ability to present a confident and professional demeanor to establish trust and gain knowledge from the customer, analyze needs and recommend appropriate products and services.
Meet with customers to analyze financial needs and maximize sales opportunities; offer all bank products and assist with other service needs, open new accounts (checking, savings, certificate of deposit, IRAs), discuss and sell loan products to existing and prospective customers, and possess knowledge of online and mobile banking to promote and demonstrate to customers.
Responsible for meeting customer expectations and achieving service quality standards; participate/oversee the sales referral process ensuring customer financial needs are met and assist management in coaching and mentoring branch staff members.
Perform all customer transactions and use appropriate technology to provide services most effectively and efficiently; maintain and balance a cash box; utilize technology such as teller scanning equipment, cash recycling and cash dispensing machines, and support customers in the use of coin machines.
Act as vault teller ensuring adequacy of branch cash for daily transactions by assisting the branch staff in ordering and shipping currency—coin and controlling—distributing cash to tellers in prescribed limits.
Assist in community events (e.g., Habitat for Humanity); participate in and support CRA initiatives, activities and programs.
Report all significant matters, issues and unusual customer activity to manager; maintain personal knowledge of compliance and regulatory requirements.
Maintain knowledge and compliance with the bank's code of conduct and all policies and procedures.
Required Skills
Excellent verbal and written communication; ability to write correspondence and appropriately demonstrate products and services to customers.
Excellent interpersonal—customer service skills, attentiveness, information retention, tact and diplomacy in dealing with both customers and employees.
Strong analytical, problem‑solving, and decision‑making skills to effectively uncover and resolve complex customer issues.
Ability to make sound decisions, including on‑the‑spot decisions regarding customer transactions, weighing customer satisfaction issues with bank exposure to loss or fraud, and thinking through and rationalizing decisions.
Ability to interpret a variety of instructions furnished in written, oral, diagram or scheduled form.
Provide deep understanding of retail banking and strong customer service skills, engaging customers in conversation regarding products and services.
Detail oriented, strong organizational skills, and high degree of accuracy.
Ability to manage multiple projects simultaneously.
Proficient computer skills.
Required Experience
High school diploma or GED and minimum 1 year of business services experience in branch banking and knowledge of branch operations or successful completion of a Valley Retail training program.
Associate's or bachelor's degree with concentration in accounting, business, finance, economics or a related field is preferred.
Preferred Experience
FIS/IBS (Integrated Banking Solutions).
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