Embracing the Role of Personal Banking Representatives in Retail Banking
Within the division of retail banking in locations such as Rome, NY, the role of a Personal Banking Representative emerges as a vital component of the branch network. Reporting directly to the branch manager, these representatives are responsible for creating exceptional experiences for clients while educating them on a wide array of products and services. These individuals are the principal architects of client relationships within the financial center, and their outreach extends to clients, prospects, and the broader community.
Key Responsibilities of a Personal Banking Representative
The main accountabilities of a Personal Banking Representative include advising clients on product selection, capitalizing on relationship-building opportunities, and setting up new accounts. They are responsible for originating and closing consumer loans and second mortgage products, ensuring the proper documentation for all account maintenance, and handling safe deposit rentals and access where applicable. Their knowledge extends to Small Business, and they can accept applications as needed.
Mastering Digital Banking Space
Personal Banking Representatives are proficient in the digital banking space and are adept at assisting clients with its adoption. Their competency extends to staying abreast of all banking regulations and internal policies/procedures relating to products/services, thereby ensuring a smooth and compliant operation. This aspect of their role makes up approximately 60% of their daily duties.
Ensuring Operational Excellence
Personal Banking Representatives may also perform routine client service line duties, such as redeeming and exchanging savings bonds, processing check encashment, deposits, and payments, and processing check orders and loan documents. They prepare client correspondence and may open and process incoming mail. In the absence of the Financial Center Manager, Assistant Banking Center Manager, or client service line, they provide backup support as needed. This aspect of their role constitutes around 20% of their responsibilities.
Community Outreach and Compliance
Personal Banking Representatives play a crucial role in participating in all internal sales/referral programs to achieve branch goals and support all bank-wide initiatives. They perform outreach to clients for initiatives such as the bank’s CAREs program and other community relations opportunities, making up another 20% of their role. At all times, they must ensure compliance with all banking laws, rules, regulations, and prescribed policies/practices/procedures to reduce risk and uphold ethical standards related to their duties.
Eligibility and Experience
Eligibility for this role is based on a high school diploma or equivalent, with proven experience in a goal-oriented sales or customer service environment. Cash handling and sales experience are preferred. The candidate should exhibit strong verbal/written communication skills, including telephone interactions, proficient computer skills, strong interpersonal skills, problem-solving skills, excellent customer service skills, and proficiency in cash handling.
Berkshire Bank is an Equal Opportunity Employer, welcoming all qualified applicants irrespective of race, color, religion, sex, sexual orientation, gender identity, or national origin. Accessibility of the site is a priority. Assistance is available for those who need help with the application process or would like to request alternative methods of applying.
For a detailed understanding of the role and responsibilities of a Personal Banking Representative at Berkshire Bank, visit here.
