Summary/Objective
At R.I.A. Federal Credit Union, the primary focus of the Personal Banker, is to improve the financial well-being of our members. This is accomplished through:
- Relationships: Building relationships is integral to the success of R.I.A. As a community credit union, R.I.A.s Personal Bankers will invest the time to get to know members and take care of their needs while finding opportunities to improve their financial well-being.
- Integrity: In an era of big banks and big data, operating with integrity is becoming a more difficult trait to find in a financial institution. An R.I.A. Personal Banker is committed to handling members finances and data in a manner that is ethical, transparent, and professional.
- Action: Not content with business as usual, R.I.A. is action oriented. From helping a member solve a financial challenge to positively impacting the community through volunteering and sponsorships, R.I.A. is motivated to action.
Essential Functions
Reasonable accommodations can be made to enable individuals with disabilities to perform the essential functions
- Learn and Educate: The Personal Banker must maintain high levels of product/services knowledge so in turn they can educate members and prospective members on R.I.A.s products and services.
- Interact: The Personal Banker interacts with members and prospective members specific to deposit and loan accounts. Since these interactions are over the phone, creating a pleasant experience for R.I.A. members are vital.
- Collect and Analyze: Personal Bankers collect personal financial information including but not limited to sensitive documents and information. This confidential information is looked at and analyzed to determining credit worthiness and account status.
- Submit and Collaborate: Personal Bankers present loan documents and collaborate with loan officers for the purpose of underwriting. In the event applications cannot be approved or are outside of defined limits and guidelines, Personal Bankers can seek further approval from management per policy.
- Explain and Mentor: Personal Bankers work with our members to explain approvals, denials and stipulations. We are her to educate and mentor with one goal - improve the financial well-being of those we interact with.
- Review and Ensure: Proper documentation and organization is a key component to the success of a Personal Banker. Reviewing loan files and ensuring R.I.A. is compliant with up to date policy and procedure is critical.
- Perform: The Personal Banker will perform banking transactions including but not limited to loan payments, transfers, and various other financial transactions.
- Uncover and Refer: As a not-for-profit financial institution, we have a responsibility to uncover opportunities to improve the financial well-being of those with whom we interact. The most important characteristic of a successful Personal Banker is the ability to find these opportunities and convert them into success for our members. Should opportunities arise to help a member with an additional product or service, the Personal Banker is expected to close business or refer leads to the respective teams to act.
- Compliance: A strong understanding and adherence to Policy and Procedure is a requirement for success as a Personal Banker at R.I.A.
Competencies
- Business Acumen
- Highly Motivated
- Confidentiality
- Financial Acumen
- Respectful
- Collaborative
- Can learn and evolve
- Trustworthy
- Ethical Practice
- Adaptable
- Trustworthy/listens well
- Attention to detail and solid organizational skills
- Strong written and verbal communication skills
- Takes initiative; problem solve
- Relates well to employees at all levels; relationship-builder
Supervisory Responsibility
No supervisory responsibilities.
Physical Demands
While performing the duties of this job, the employee is regularly required to spend considerable time sitting at a desk, complete work using a computer, regularly answer phone calls, and interact with employees at all levels of the organization. The employee will occasionally lift and move up to 25 pounds.
Type/Expected Hours of Work
This is a full-time position. While normal hours of work and days for R.I.A. Federal Credit Union are Monday through Thursday, 8:00 a.m. to 5:00 p.m., Friday, 8:00 a.m. to 6:00 p.m., and Saturday 8:00 a.m. to 12:00 p.m., hours for this position reflect branch attendance, but may vary based on job related requirements.
Travel
Less than 10% travel is expected for this position; some local travel in the Quad City area.
Required Education and Experience
- Bachelors degree or relevant work experience in similar field
- Minimum 3-5 years experience in banking, personal finance or relevant field.
- An understanding of lending procedures or an ability to learn in a timely manner
- Strong written and verbal communication skills
- Ability to work with numbers and calculate interest and terms.
- Ability to learn banking systems, compliance and process in a timely manner.
EEO Statement
R.I.A. Federal Credit Union believes in equal employment opportunity for all employees and applicants for employment. Our companys success depends on the effective utilization of qualified individuals regardless of their race, creed, color, religion, sexual orientation, age, ancestry, national origin, disability, military or veteran status or any other characteristic protected by law. We will not discriminate on the basis of these characteristics in a personnel action including, but not limited to, hiring, training, promotions, transfers, demotions, benefits, compensation, discipline, termination and any other conditions or privileges of employment.
Other Duties
Please note this job description is not designed to cover or contain a comprehensive listing of activities, duties or responsibilities that are required of the employee for this job. Duties, responsibilities and activities may change at any time to adjust and adapt to the changing needs of the business.
