The Bank of Elk River - Elk River, MN



Location:
Elk River, MN

Job Title:
Consumer Banker

Overview:
Job Title: Consumer Banker Department: Retail Reports To: Director of Retail Banking FLSA Status: Non-Exempt Manager Role: No SUMMARY This position is responsible for providing exceptional customer service to new and existing customers by identifying and recommending products and services to meet customer’s financial needs. Builds account relationships by actively searching for opportunities to cross-sell bank’s products and services and makes referrals to other areas of the bank. QUALIFICATIONS To perform this job successfully the individual must be able to perform each essential duty satisfactorily. The requirements listed below are representative of the knowledge, skill and ability required. Reasonable accommodations may be made to enable individuals with disabilities to perform the essential functions. ESSENTIAL DUTIES AND RESPONSIBILITIES • Provides exceptional customer service to current and potential customers, processes customer transactions accurately and efficiently and responds to customer inquiries in an efficient, timely and courteous manner. • Responsible for opening and servicing all retail and business deposit accounts, offering consumer loan solutions and responding to customer inquiries. • Understands and adheres to all operational, compliance and audit procedures. Complies with laws and compliance regulations to ensure customer and bank are protected. • Knowledge of consumer loan process and compliance regulations. Has the ability to complete and underwrite personal loan applications. Able to identify past due loans and collect payment on delinquent loans. • Regularly opens new accounts which include: checking, savings, business and CD/IRAs. Actively looks for opportunities to cross sell products and services including making referrals to meet customer’s needs. COMPETENCIES The competencies listed below are critical to the success of this role. Technical Skills: Proficient with Microsoft Office and other banking programs. Communication: Communicates effectively and respectfully with all points of contact. Treats others with respect and shows sensitivity for differences. Comfortable communicating development needs to the Manager regarding staff performance. Time Management: Uses time management skills to prioritize, plan out work activities, and completes work on time. Reacts well under pressure and can multitask to meet deadlines. Teambuilding: Fosters a working environment where employees are encouraged to contribute and build a positive team spirit. Balances team and individual responsibilities. Exhibits objectivity and openness to others' views. Customer Service: Provides excellent customer service with internal customers of the bank. Works well with others. Development: Accepts responsibility for own actions. Meets challenges with resourcefulness. Pursues training and development opportunities and strives to continuously build and share knowledge and skills. Attention to Detail: Demonstrates a high level of accuracy, attention to detail and is able to edit work for errors. Change Management: Adapts to changes in the work environment. Changes approach or method to best fit the situation. Able to deal with frequent change, delays or unexpected events. Problem Solving: Finds new ways to improve practices, identify inefficiencies and provides suggestions for improving work processes. Applies common sense to resolve problems in a timely manner. EDUCATION/EXPERIENCE • High school diploma or general education degree (GED) required. • 3-5 years job related experience. CERTIFICATES AND LICENSES Mortgage Loan Originator (MLO) license may be required. *This position may require S.A.F.E. registration at the time of employment. The Nationwide Mortgage Licensing System (NMLS) web site (mortgage.nationwidelicensingsystem.org) provides the MU4R questions and registration required for employment in this position. Effective January 1, 2014, persons in this position may be required to meet the Consumer Financial Protection Bureau loan originator qualification requirements and must comply with The Bank of Elk River policy related to these requirements. The loan originator qualification requirements include meeting applicable financial responsibility, character, credit fitness and criminal background standards. Successful candidates must also meet ongoing regulatory requirements including additional screening. PHYSICAL DEMANDS While performing the duties of this job, the employee is regularly required to sit and use computer for extended periods. Reasonable accommodations may be made to enable individuals with disabilities to perform the essential functions. It is the individual responsibility of every employee to maintain a current awareness and understanding of and to fully comply with The Bank of Elk River’s “Code of Ethics Policy.” Each employee is also expected to maintain an awareness of the laws, regulations, internal policies and procedures that are appropriate for his/her position. Each employee must also comply with consumer protection laws that relate to his/her position. LEVELS Consumer Banker II At this level the Consumer Banker possesses the skills, knowledge and ability to approve and process consumer loans and ready reserve for current and potential customers. A Consumer Banker II will generate an average of two consumer loans per month and have a loan portfolio of $500,000.00. This position may also be required to service mortgage loans which would require registration through the Nationwide Mortgage Licensing System (NMLS) as a Mortgage Loan Originator (MLO). A Consumer Banker II is able to perform all the essential functions written in the Consumer Banker job description. Consumer Banker III A Consumer Banker III is proficient in all areas of the Consumer Banker job description and all areas of a Consumer Banker level II. At this level the Consumer Banker will generally have a minimum of two years of consumer lending experience. A Consumer Banker III will generate an average of five consumer loans per month and have a loan portfolio of $1,000,000.00. This position is required to service mortgage loans and be registered through Nationwide Mortgage Licensing System (NMLS) as a Mortgage Loan Originator (MLO).

Responsibilities:
ESSENTIAL DUTIES AND RESPONSIBILITIES • Provides exceptional customer service to current and potential customers, processes customer transactions accurately and efficiently and responds to customer inquiries in an efficient, timely and courteous manner. • Responsible for opening and servicing all retail and business deposit accounts, offering consumer loan solutions and responding to customer inquiries. • Understands and adheres to all operational, compliance and audit procedures. Complies with laws and compliance regulations to ensure customer and bank are protected. • Knowledge of consumer loan process and compliance regulations. Has the ability to complete and underwrite personal loan applications. Able to identify past due loans and collect payment on delinquent loans. • Regularly opens new accounts which include: checking, savings, business and CD/IRAs. Actively looks for opportunities to cross sell products and services including making referrals to meet customer’s needs.

Requirements:
Three to Five Years of Banking Experience

Deadline:
12/16/2022

How to Apply:
https://workforcenow.adp.com/mascsr/default/mdf/recruitment/recruitment.html?cid=866a05de-daf5-4899-b621-06da5a9bb99c&ccld=19000101_000001&type=MP&lang=en_US&selectedMenuKey=CurrentOpenings