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Personal Banking Officer - Wahpeton, ND bei Bell Bank

Bell Bank · Wahpeton, Vereinigte Staaten Von Amerika · Onsite

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A Personal Banking Officer provides basic support for personal banking services including account management, lending, and building a portfolio of banking clientele. This role involves managing customer relationships, offering tailored banking solutions, overseeing account management, and guiding customers through a comprehensive range of banking products to optimize their financial well-being.

Responsibilities

Account Management

  • Delivers exceptional customer service by engaging with customers in a professional, friendly, and efficient manner. Must maintain a high standard of professionalism in all interactions and responsibilities.
  • Handles escalated or complex customer issues, such as account discrepancies, credit concerns, or service complaints. They work to resolve these issues efficiently and maintain customer satisfaction.
  • Manages relationships by offering personalized banking solutions. They may proactively reach out to customers to deepen relationships and address unique needs.
  • Ensures compliance with policies and regulations for more complex transactions.
  • Helps identify potential risks/fraud.
  • Audits accounts for overdrafts, collections and technical exceptions for assigned customer accounts, and follow up with customers as appropriate.

 

 

Lending & Portfolio Management

  • Solicits, originates, underwrites, and closes consumer loans.
  • Conducts professional customer meetings with current and prospective customers to assess their financial needs and objectives.
  • Educate customers on loan features, interest rates, fees, repayment schedules, and potential penalties in a transparent manner.
  • Assesses applicant’s financial stability, credit history, and repayment capacity to determine loan eligibility.
  • Recommends appropriate loan amounts, interest rates, and repayment schedules based on the borrower’s needs and risk profile.
  • Analyzes financial statements, debt-to-income ratios, and collateral value to ensure responsible lending.
  • Finalizes loan agreements, ensure compliance with banking regulations, and facilitate timely fund disbursements.
  • Identify early signs of delinquency and assist borrowers with restructuring options when necessary.
  • Follows up on late payments and collaborate with collections teams to minimize financial losses.
  • Handles basic customer requests, such as low-value transactions, simple loan approvals, or resolving simple disputes.
  • Has basic knowledge of banking products, including loans, lines of credit, retirement accounts. They can recommend and customize solutions for customers based on financial goals.
  • Actively identifies cross-selling opportunities and works to grow the bank’s portfolio by recommending financial products and services tailored to customer needs.
  • Meet individual goals and assist in meeting branch goals.

 

Bell Bank Culture, Policy and Accountability Standards:

  • Know by name and face as many customers and employees as possible, calling them by name as often as possible.
  • Know and practice LOCBUTN, our Golden Rules, and Bell Bank Customer Service Standards.
  • Know, understand, and live the company values and bottom line.
  • Conduct activities consistent with established Bell Bank policies, procedures and systems, the Bell Bank Employee Conduct policies, the Bank Secrecy Act and all applicable state and federal laws and regulations.
  • All employees are responsible for information security, including compliance with policies and standards which protect sensitive information.
  • Prompt and reliable attendance.
  • Perform other duties as assigned.

Education, Experience, and Other Expectations

  • Bachelor’s degree in business administration, finance, a similar field, or equivalent experience.
  • 3-5 years of customer service and/or account management experience.
  • 3 years of experience in a banking, financial, or professional setting.
  • Must possess active NMLS#.
  • Experience using Microsoft products: Outlook, Word, and Excel.

Knowledge, Skills, and Abilities

  • High attention to detail.
  • Strong communication skills.
  • Familiarity with savings, checking, and lending policies and guidelines, as well as specific loan programs, qualifications, and insurance.
  • Familiarity with banking laws, rules, and regulations, prescribed practices, and ethical standards that are applicable to their position.
  • Ability to work flexible hours to include mornings, evenings, and Saturdays (branch specific) as scheduled.
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