Personal Banker

Overview:

Personal Bankers act as trusted financial partners to help members exercise smart financing plans and set savings goals to manage their everyday banking to achieve financial wellbeing. Proudly advocates for the success of our cooperative by proactively doing whats right for the member, the cooperative achieves financial success, and can put that profit back in to our membership and communities. Inherently understands the connection of how referring Harborstone products and services to consumer and business members allows us to create thriving communities.

Upholds legal, regulatory and compliance requirements unique to the role, in addition to Bank Secrecy Act, Anti-Money Laundering, OFAC, and Information Security policies and procedures. Completes annually required compliance and security awareness related courses as established by Harborstone Credit Union policies and/or practices.

Effectively builds trust with members and internal staff by embodying and demonstrating the Core Values of the organization (Trust, Advocacy, Prosperity, Equity, Empathy, and Simplicity). Consistently advocates for Harborstones members, offering opportunities for financial equity and prosperity and the tools necessary to help them thrive. Demonstrates value and difference by expertly informing our communities of effective financial products, services, and solutions to help them attain their full potential.

Compensation:

Minimum $24.27

Maximum $34.67

Applicant with desired mix of knowledge, skills and abilities can anticipate $26.00 - $27.74

• Builds relationships with local community chambers, JA schools, and other community influencers.

• Proactively manages member relationships with ongoing outreach activities and effectively utilizes our CRM to manage relationships.

• Actively participates in leadership and facilitation of team meetings and trainings.

• Acts as an expert peer-coach to support the development of tellers / member services representatives (MSR) within the branch location.

• Makes appropriate recommendations and decisions for lending, deposit, and service charge requests that balance the needs of the member with the needs of the membership and promotes a growing financial cooperative.

• Communicate effectively by in person, by phone, or by email.

• Place and receive phone calls related to member business.

• Follow up with prospects and ask for their business.

• Participate in branch promotions as assigned.

• Lead branch operational tasks.

• Supports training efforts of MSR's and Teller's within the branch.

• Conduct general account maintenance and ensure member account information is updated and accurate.

• Complete basic transactional needs as needed to support membership.

• Manage member concerns and understand escalation process when needed.

• Maintain foundational understanding of all consumer and business-related products and services to effectively refer products and services to members.

• Demonstrates problem solving and critical thinking skills by leveraging resources effectively to meet members needs.

• Demonstrate the ability to anticipate members needs and you proactively guide members through the journey of Home Ownership, Paying Yourself First, and Leveraging Credit Wisely.

• Thorough understanding of the Branch Playbook Strategies and works to support the Branch Team and Partners in growing membership portfolios.

• Demonstrates deep expertise and knowledge in credit cards and ability to uncover needs and accept applications.

• Demonstrates deep expertise and knowledge of all consumer loans and preapproval offers with ability to complete applications and processes.

• Demonstrates deep expertise and knowledge of all consumer and business- related products and services and demonstrates proficiency in new account opening systems and procedures.

• Demonstrates best level behavior expectations and utilizes retail tools efficiently to build long term relationships.

• Leverages external financial educational resources.

• Knowledge of Harborstone and Business Partners/Vendors/CUSOs partnership and processes.

• Understand Harborstones 5-Year Strategic Plan, yearly Business Plan and Thematic Goal and the strategies required to achieve successful results for the cooperative.

• Deliberately works to develop and cultivate a growth mindset.

• Ability to understand, leverage, and build upon key strengths to help in the overall success of the cooperative as part of ongoing personal and professional development.

Experience/Education:

• Basic Microsoft Office Skills.

• Holds / Obtains Notary license and understand the process of notary, medallion stamps, and signature guarantee services.

• Holds / Obtains NMLS training and maintains ongoing knowledge of mortgage process and products.

• Obtain CUNAs Financial Counseling certification (FiCEP) in order to assist members in realizing their long-term financial goals.

• Obtains deep understanding of branch performance through utilization of reports provided by the credit union.

• High school diploma.

• Any equivalent combination of education and experience which provides the applicant with the knowledge, skills and abilities required to perform the job.

Physical Considerations:

• Must be able to effectively read, write, and listen as well as communicate verbally, electronically and in written form with employees, members, board members, vendors, and the general public as required.

• May be asked to handle, move, and/or carry large boxes of supplies weighing up to 50 pounds.

• May require stooping, bending, squatting, and reaching for limited periods of time.

• May require sitting and standing for long periods of time.