Personal Banker - Clemmons
Truliant Federal Credit Union, Salem, GA, United States
Purpose of the Job
The Personal Banker provides every member-owner with an exceptional service experience, developing a strong rapport with the member that supports the Credit Union's mission of enhancing members' financial lives and becoming their preferred financial partner. The Personal Banker must engage in conversations with member-owners to identify, understand, and provide guidance to meet their financial needs and goals. The Personal Banker provides solutions including consumer and business deposit products, consumer and business lending products, and associated products and services, referring members to partners for investment solutions, insurance, and other services. They perform problem resolution and may also process transactions in a back‑up capacity, demonstrating expert knowledge of the Credit Union’s deposit and loan products, policies, and processes.
Essential Functions and Responsibilities
Engages members in conversation, conducting quality guidance and credit reviews to uncover their financial needs and goals.
Identifies quality referrals to other business units such as Business Services, Mortgage, and Truliant Financial Advisors.
Accurately and efficiently processes account openings and maintenance, loan applications, and transactions for members to help them manage their finances.
Ensures consistent adherence to Credit Union member service standards throughout every member-owner interaction, including first‑contact problem resolution.
Executes the Branch's plan to achieve goals and objectives, including member service scores, loan production, deposit production, new member growth, and partner lines of business referrals.
Educates members on the various products and services available to meet their financial goals and assists them with establishing those identified products and services.
Proactively assists members by finding ways to make financial services more convenient, including educating members on technological tools to improve their banking experience.
Makes outbound sales and service calls to member-owners.
Utilizes member relationship tools to record and enhance interactions.
Manages loan and deposit pipelines to ensure timely follow‑up and cultivates leads into successes.
Provides information and processes loan requests for all loan products, including mortgages, business service loans, service agreements, and insurance, while reviewing credit needs for further loan opportunities.
Understands IRA processes and products, opening and maintaining all IRA accounts.
Adheres to Truliant's policies and supports company decisions and goals in a positive, professional manner.
Follows all security and fraud prevention requirements to protect the Credit Union and members.
Adapts as needed to meet the ever‑changing needs of members and the communities served.
Maintains integrity and confidentiality when handling member accounts.
Represents Truliant with integrity and professionalism, exhibiting a professional, business‑like appearance and demeanor.
Researches and resolves account issues, escalating for assistance as necessary.
Other Duties and Responsibilities
Provides assistance with member service when needed on the Teller line.
Assists with other tasks and projects as assigned.
Knowledge, Skills, and Abilities
Must have National Mortgage Licensing System and Registry (NMLS) registration under the SAFE Act of 2008.
Must have a sound understanding of standard concepts, practices, procedures, regulations, and compliance within the financial services environment.
Must have excellent communication skills in English, both verbal and written.
Must have good arithmetic skills.
Must have basic personal computer skills.
Must have knowledge of advanced products and services.
Must be proficient in service recovery concepts to enhance member satisfaction.
Must understand basic credit underwriting concepts and principles.
Must have a Notary appointment within a 3‑month period.
Must attend Branch Lending Training within a 3‑month period.
Must be detail oriented and well organized.
Must be flexible and able to shift resources and priorities as required.
Must be able to complete all assignments with minimal supervision.
Physical Requirements
Occasional standing, walking, and bending required.
Must be able to sit at a desk for moderate periods of time and use a computer.
Must be able to moderately lift or move up to 5 pounds and occasionally lift or move up to 10 pounds.
Education and Experience
College degree or equivalent experience required.
A minimum of 3 years related experience in the retail industry or financial services preferred.
Previous sales and lending experience preferred.
Previous lending experience preferred.
Benefits
No‑cost employee Medical, dental, vision coverage
Prescription benefits (including mail order)
Paid holidays and Paid Time Off (PTO)
401(k) plan with contribution matching
Paid community involvement volunteer hours
Paid group life insurance
Teammate loan discounts
Tuition reimbursement
Short and long‑term disability
Health & Wellness program
Teledoc (physician video conferencing)
Onsite fitness facilities or health club reimbursement
Employee Assistance Program (EAP)
Medical flexible spending account
Dependent care flexible spending account
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Essential Functions and Responsibilities
Engages members in conversation, conducting quality guidance and credit reviews to uncover their financial needs and goals.
Identifies quality referrals to other business units such as Business Services, Mortgage, and Truliant Financial Advisors.
Accurately and efficiently processes account openings and maintenance, loan applications, and transactions for members to help them manage their finances.
Ensures consistent adherence to Credit Union member service standards throughout every member-owner interaction, including first‑contact problem resolution.
Executes the Branch's plan to achieve goals and objectives, including member service scores, loan production, deposit production, new member growth, and partner lines of business referrals.
Educates members on the various products and services available to meet their financial goals and assists them with establishing those identified products and services.
Proactively assists members by finding ways to make financial services more convenient, including educating members on technological tools to improve their banking experience.
Makes outbound sales and service calls to member-owners.
Utilizes member relationship tools to record and enhance interactions.
Manages loan and deposit pipelines to ensure timely follow‑up and cultivates leads into successes.
Provides information and processes loan requests for all loan products, including mortgages, business service loans, service agreements, and insurance, while reviewing credit needs for further loan opportunities.
Understands IRA processes and products, opening and maintaining all IRA accounts.
Adheres to Truliant's policies and supports company decisions and goals in a positive, professional manner.
Follows all security and fraud prevention requirements to protect the Credit Union and members.
Adapts as needed to meet the ever‑changing needs of members and the communities served.
Maintains integrity and confidentiality when handling member accounts.
Represents Truliant with integrity and professionalism, exhibiting a professional, business‑like appearance and demeanor.
Researches and resolves account issues, escalating for assistance as necessary.
Other Duties and Responsibilities
Provides assistance with member service when needed on the Teller line.
Assists with other tasks and projects as assigned.
Knowledge, Skills, and Abilities
Must have National Mortgage Licensing System and Registry (NMLS) registration under the SAFE Act of 2008.
Must have a sound understanding of standard concepts, practices, procedures, regulations, and compliance within the financial services environment.
Must have excellent communication skills in English, both verbal and written.
Must have good arithmetic skills.
Must have basic personal computer skills.
Must have knowledge of advanced products and services.
Must be proficient in service recovery concepts to enhance member satisfaction.
Must understand basic credit underwriting concepts and principles.
Must have a Notary appointment within a 3‑month period.
Must attend Branch Lending Training within a 3‑month period.
Must be detail oriented and well organized.
Must be flexible and able to shift resources and priorities as required.
Must be able to complete all assignments with minimal supervision.
Physical Requirements
Occasional standing, walking, and bending required.
Must be able to sit at a desk for moderate periods of time and use a computer.
Must be able to moderately lift or move up to 5 pounds and occasionally lift or move up to 10 pounds.
Education and Experience
College degree or equivalent experience required.
A minimum of 3 years related experience in the retail industry or financial services preferred.
Previous sales and lending experience preferred.
Previous lending experience preferred.
Benefits
No‑cost employee Medical, dental, vision coverage
Prescription benefits (including mail order)
Paid holidays and Paid Time Off (PTO)
401(k) plan with contribution matching
Paid community involvement volunteer hours
Paid group life insurance
Teammate loan discounts
Tuition reimbursement
Short and long‑term disability
Health & Wellness program
Teledoc (physician video conferencing)
Onsite fitness facilities or health club reimbursement
Employee Assistance Program (EAP)
Medical flexible spending account
Dependent care flexible spending account
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