Personal Banker (Floating)
Sacramento Credit Union, Folsom, CA, United States
Title: Retail Support Specialist III (Floating Banker)
Department: Folsom Branch
Reports To: Branch Manager
Pay Scale: $22.00 – $29.00 per hour
We are seeking a candidate who enjoys being of service to customers and possesses excellent communication skills with the ability to originate, evaluate, and process consumer loan applications, open new memberships, and complete detailed financial profiles for all member interactions, including follow‑up. This position requires frequent and routine travel to multiple branch locations; travel is considered an essential function and may include same‑day travel, extended assignments, and occasional off‑site meetings or community events. An individual who derives satisfaction from building strong member relationships, identifies cross‑sale opportunities, and supports branch production and service goals would be successful.
Scheduled work hours: Monday to Friday, 8:45 a.m.–5:45 p.m. (Friday 9:15 a.m.–6:15 p.m. possible); Saturday 9:30 a.m.–2:30 p.m. (alternate off days); Sunday OFF. Total 37/40 hours per week.
Responsibilities
Open new accounts, including personal, minor, business, trust, and specialty accounts, ensuring accuracy, compliance, and a seamless onboarding experience.
Originate, evaluate, and process consumer loan applications, including auto, personal, credit card, secured/unsecured loans, and home equity products.
Conduct needs‑based member interviews through consultative conversations to assess financial goals, borrowing needs, and eligibility for credit union products and services.
Open IRAs and complete IRA maintenance such as withdrawals, rollovers, and transfers.
Process deceased account closures and member account transfers.
Analyze credit reports, income documentation, debt ratios, and collateral to determine creditworthiness and recommend appropriate lending solutions.
Refer members’ mortgage and investment needs to the appropriate person or department.
Mentor and train branch staff in loan and deposit products and services.
Provide notary and medallion stamp service to members.
Support branch operations by auditing new account packets, loan files, and daily work to ensure accuracy, completeness, and compliance with established policies and procedures.
Generate loan and membership growth through outbound calling, member referrals, business development, and community engagement.
Perform essential travel requirements of the position, including frequent travel across assigned branch locations.
Qualifications Required:
High School Diploma or equivalent.
Two-to-four years of experience in financial services, banking, credit union operations, or a similar member‑facing role.
Ability to perform all duties of a Financial Service Specialist 1 and 2.
Experience in consumer lending, including loan interviewing, basic underwriting, and loan processing.
Proven experience opening new accounts with accuracy and compliance.
Ability to review and analyze account history to make informed risk‑based decisions regarding check holds and transaction approvals to prevent losses.
Provide guidance, support, and training to all Financial Service Specialists.
Must have reliable transportation; ability to perform essential travel requirements across assigned branch locations.
Preferred:
Proficient knowledge of credit union or banking operations, regulatory requirements, and standard branch procedures.
Prior experience in a banker level role or a similar financial services position.
Working knowledge of financial services products and basic lending practices.
Demonstrated sales ability in a financial institution or retail store.
Demonstrated computer skills and familiarity with software programs (Word, Excel, and core systems including Symitar, LoansPQ, Glide, or similar platforms).
Certified to process Medallion Stamp Guarantee requests.
Notary Certified and NMLS Licensed.
Excellent interpersonal communication and member contact skills.
Ability to de‑escalate challenging situations professionally, showing empathy and emotional intelligence when assisting members, especially in sensitive or challenging situations.
High attention to detail and accuracy, with ability to recognize issues quickly and apply effective problem‑solving skills.
Effective verbal and written communication skills to engage members and collaborate effectively with team members across the branch network and other departments.
Maintains good attendance record.
Our benefits package includes medical, dental, vision, Paid Time Off, Paid Sick Leave, paid holidays, life insurance/AD&D, short‑term and long‑term disability, 401(k), and more for full‑time employees.
It is Sacramento Credit Union’s policy to hire well‑qualified people. An integral part of this policy is to provide equal employment opportunity for all persons and administer hiring, working conditions, benefits and privileges of employment, compensation, training, appointments for advancement, including layoffs and recalls for all employees, without discrimination because of veteran status or disability.
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Department: Folsom Branch
Reports To: Branch Manager
Pay Scale: $22.00 – $29.00 per hour
We are seeking a candidate who enjoys being of service to customers and possesses excellent communication skills with the ability to originate, evaluate, and process consumer loan applications, open new memberships, and complete detailed financial profiles for all member interactions, including follow‑up. This position requires frequent and routine travel to multiple branch locations; travel is considered an essential function and may include same‑day travel, extended assignments, and occasional off‑site meetings or community events. An individual who derives satisfaction from building strong member relationships, identifies cross‑sale opportunities, and supports branch production and service goals would be successful.
Scheduled work hours: Monday to Friday, 8:45 a.m.–5:45 p.m. (Friday 9:15 a.m.–6:15 p.m. possible); Saturday 9:30 a.m.–2:30 p.m. (alternate off days); Sunday OFF. Total 37/40 hours per week.
Responsibilities
Open new accounts, including personal, minor, business, trust, and specialty accounts, ensuring accuracy, compliance, and a seamless onboarding experience.
Originate, evaluate, and process consumer loan applications, including auto, personal, credit card, secured/unsecured loans, and home equity products.
Conduct needs‑based member interviews through consultative conversations to assess financial goals, borrowing needs, and eligibility for credit union products and services.
Open IRAs and complete IRA maintenance such as withdrawals, rollovers, and transfers.
Process deceased account closures and member account transfers.
Analyze credit reports, income documentation, debt ratios, and collateral to determine creditworthiness and recommend appropriate lending solutions.
Refer members’ mortgage and investment needs to the appropriate person or department.
Mentor and train branch staff in loan and deposit products and services.
Provide notary and medallion stamp service to members.
Support branch operations by auditing new account packets, loan files, and daily work to ensure accuracy, completeness, and compliance with established policies and procedures.
Generate loan and membership growth through outbound calling, member referrals, business development, and community engagement.
Perform essential travel requirements of the position, including frequent travel across assigned branch locations.
Qualifications Required:
High School Diploma or equivalent.
Two-to-four years of experience in financial services, banking, credit union operations, or a similar member‑facing role.
Ability to perform all duties of a Financial Service Specialist 1 and 2.
Experience in consumer lending, including loan interviewing, basic underwriting, and loan processing.
Proven experience opening new accounts with accuracy and compliance.
Ability to review and analyze account history to make informed risk‑based decisions regarding check holds and transaction approvals to prevent losses.
Provide guidance, support, and training to all Financial Service Specialists.
Must have reliable transportation; ability to perform essential travel requirements across assigned branch locations.
Preferred:
Proficient knowledge of credit union or banking operations, regulatory requirements, and standard branch procedures.
Prior experience in a banker level role or a similar financial services position.
Working knowledge of financial services products and basic lending practices.
Demonstrated sales ability in a financial institution or retail store.
Demonstrated computer skills and familiarity with software programs (Word, Excel, and core systems including Symitar, LoansPQ, Glide, or similar platforms).
Certified to process Medallion Stamp Guarantee requests.
Notary Certified and NMLS Licensed.
Excellent interpersonal communication and member contact skills.
Ability to de‑escalate challenging situations professionally, showing empathy and emotional intelligence when assisting members, especially in sensitive or challenging situations.
High attention to detail and accuracy, with ability to recognize issues quickly and apply effective problem‑solving skills.
Effective verbal and written communication skills to engage members and collaborate effectively with team members across the branch network and other departments.
Maintains good attendance record.
Our benefits package includes medical, dental, vision, Paid Time Off, Paid Sick Leave, paid holidays, life insurance/AD&D, short‑term and long‑term disability, 401(k), and more for full‑time employees.
It is Sacramento Credit Union’s policy to hire well‑qualified people. An integral part of this policy is to provide equal employment opportunity for all persons and administer hiring, working conditions, benefits and privileges of employment, compensation, training, appointments for advancement, including layoffs and recalls for all employees, without discrimination because of veteran status or disability.
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