PERSONAL BANKER

The Personal Banker is responsible for developing and maintaining banking relationships by actively prospecting new clients and engaging existing ones and processing routine customer transactions. This role requires in-depth knowledge of debits and credits, deposit products and services, to include checking, savings, IRAs, safe deposit boxes, debit cards, and digital banking platforms. A working understanding of credit-related products such as overdraft protection, home equity lines of credit, and credit cards is also essential.

Requirements

ESSENTIAL DUTIES AND RESPONSIBILITIES

The essential functions include, but are not limited to

• Deliver exceptional customer service by listening, empathizing, and providing effective solutions.
• Daily Cash Handling, Balancing and End-of-Day reporting
• Accurately process financial transactions to included but not limited to deposits and withdrawals, cashing checks, and processing loan payments.
• Open new accounts, ensuring proper and timely completion of all CIP and compliance documentation.
• Identify customer needs and recommend appropriate products and services; cross-sell bank offerings effectively.
• Address and resolve customer inquiries and issues promptly and professionally.
• Participate in business development efforts to attract and retain customers.
• Maintain compliance with all bank policies, regulations, and procedures.

Branch & Team Responsibilities

• Greet customers in a warm, courteous, and professional manner, both in person and via phone.
• Foster a positive, team-oriented work environment.
• Complete all assigned training and development programs within designated timeframes.

Compliance & Regulation

• Maintain knowledge of and adhere to regulations such as the Bank Secrecy Act, Anti-Money Laundering, OFAC, and others.
• Report any compliance issues or violations in accordance with the SCSB Compliance Accountability Program.

Professionalism & Community Engagement

• Present a professional image at all times.
• Actively participate in community initiatives representing the Bank.
• Stay current on industry trends and regulatory changes, integrating this knowledge into daily operations.

Other Duties

• Perform additional tasks as assigned by leadership.

SUPERVISORY RESPONSIBILITIES

None

Qualifications

Education & Experience

• Required: High school diploma or equivalent; minimum of one year of relevant experience.
• Preferred: Associate’s or Bachelor’s degree; 3+ years in a retail banking environment.

Skills & Abilities

• Strong oral and written communication skills
• Excellent customer service and sales aptitude
• Ability to multitask, prioritize, and stay organized
• Strong PC skills; proficiency in Microsoft Office and Microsoft 365
• Ability to work independently and as part of a team
• Regular and predictable attendance is essential

Technical Knowledge

• Familiarity with banking regulations and compliance procedures
• Data processing skills; experience with Adobe Acrobat Pro and Photoshop Elements is beneficial
• Experience with Business Objects is a plus

Language, Math, and Reasoning Skills

• Language: Ability to read and interpret legal documents, policies, and procedures. Strong business writing and public speaking skills.
• Math: Proficiency in applied math techniques such as variance and correlation analysis.
• Reasoning: Ability to solve complex problems, interpret instructions, and work with abstract and concrete variables.

Certificates & Licenses

• Valid driver’s license required for travel between branches, training, and customer visits
• Foreign language skills helpful, but not required

Physical Requirements

• Frequently required to sit, talk, hear, and use hands
• Must be able to lift/move up to 10 lbs regularly and up to 50 lbs occasionally
• Requires specific vision abilities, including depth perception and color vision
• Must be able to work occasionally from any of the North Branch locations (Odebolt, Ida Grove, Danbury or Mapleton, IA) and periodically work beyond standard hours.

Work Environment

• Moderate noise level; occasional work with mechanical devices and outdoor weather

Disclaimer

This job description is not exhaustive and may be adjusted by management. Employment is at-will and may be terminated by either party at any time, with or without cause.

All qualified applicants will receive consideration for employment without regard to age, race, color, religion, sex, sexual orientation, gender identity, national origin, protected veteran status, or disability status.

EEO | Member FDIC