Description:
The Personal Banker I will be crossed trained for both Customer Service Representative and Teller duties. This position will participate in the daily operations of the branch; including but not limited to, assisting customers with account management and other financial services needs and providing timely
and efficient completion of client transactions while maintaining accurate records and thorough handling of all monies assigned. This position will proactively participate in the sales/quality referral process of the branch as directed by management.

Key Responsibilities:
Service:
• Processes a variety of customer transactions accurately and efficiently in adherence to bank policies and regulations such as cashing checks, processing deposits and withdrawals, loan payments, cash advances, transfers, and issuing monetary instruments
• Enhances customer satisfaction by assisting customers with setup of online products, loan applications, and mobile banking

Sales:
• Achieves personal sales and referral goals by identifying customer needs and recommending banking products and services to help
• Identifies referral opportunities and makes relevant referrals

• Maintains strong collaborative relationships with co-workers, management, and business partners

Operations:
• Works independently on the Platform side on performing duties such as opening/closing various accounts, assisting with courtesy and collection calls (NSFs) as needed, submitting address and name changes; seeks assistance and guidance from leadership when necessary
• Adheres to all operational banking regulations and policies
• Observes branch security procedures and protects customer confidentiality and privacy
• Performs other job related duties such as CTRs, REG CC holds, Dual Control Processes, etc.
• Must comply with BSA/AML/OFAC regulations and guidelines
*Performs other job related duties or special projects as assigned

Requirements:
• One – Four years’ sales relationship and/or cash handling experience preferred
• High School diploma or equivalent (College degree preferred)
• Demonstrates personal integrity, superior salesmanship, service excellence
• Effective listener, team builder, excellent communicator

Description:

Under the guidance of and in teamwork with the Branch Executive, the Operations Manager leads the deposit operations of the branch, including sales management and employee development.  They work with the Branch Executive to develop new deposit and loan business; provides superior level of customer service, and promotes a sales culture through mentoring and coaching.  The Operations Manager oversees the implementation of human resource strategy that involves cultivating a solid team and leadership according to ValueBank Texas’ core values and mission statement ensuing optimum customer and employee experience.

Key Responsibilities:

   Business/Sales Development:

• Maintains strong collaborative relationships across lines of business
• Prospects and develops deposit growth from existing customers, with product sales including all depository products and ancillary products, such as Merchant Services and Cash Management.
• Professionally maintains a presence in the community and engages center of influences to gain bank exposure by volunteering on boards and committees
• Delivers superior customer service to potential and current customers

Coaching/Mentoring:

• Coaches personnel- including monitoring and evaluating to drive sales performance
• Provides direction for ABM, sets goals, and oversees goal execution
• Manages and effectively communicates with their team to improve performance

   Administration:

• Reviews monthly audits, process daily NSFs, conducts quarterly market and performance review, manages account acquisition and attrition
• Ability to operate Platform side by opening new accounts, handling complaints

Performs other job-related duties or special projects as assigned

 Requirements:

• College degree preferred and/or relevant years of experience may substitute at discretion of management
• Generally, 2-5 years’ experience in market development, management, new account acquisition; traditional banking preferred but may be substituted at management’s discretion
• Ability to manage and lead a diverse team in a sales culture environment
• Ability to execute strong time management skills
• Ability to effectively communicate, innovate, and inspire a team
• Ability to quickly understand and deal with a business situation in a manner that is likely to lead to a good outcome

BASIC FUNCTION

Perform all facets of Commercial lending including making outside sales calls through the use of new business development tools, to achieve portfolio loan and deposit goals. Develop and manage loan accounts which meet established lending requirements and provide maximum profitability to the bank with minimum risk.  Carry out public relations and participate in local events and organizations to represent the bank and develop new business contacts.

SPECIFIC RESPONSIBILITIES

• Responsible for having knowledge of bank services and cross selling products based on the customer’s financial needs.
• Responsible for establishing customer relationships to assure the ongoing growth of loans and deposits.
• Assist in closing loans.
• Interview loan applicants, collect and analyze financial and related data to determine the general credit worthiness of the prospect and the merits of the specific loan request.
• Establish and negotiate where necessary the terms under which the credit will be extended, including the costs, repayment method and schedule and collateral requirements.
• Collect and analyze information that reflects the creditworthiness of current customers and the current merits of existing loans. Information may be obtained by direct inspection of the applicant’s business and/or collateral, review of interim financial reports and personal interview.
• Monitor loan repayment activities and take necessary action to collect from past due
• Develop material for, and make loan presentations to the Senior Loan Committee where
• Check loan documentation and computations of loan support documentation.
• Monitor credit and collateral exceptions.

Description:
The Assistant Operations Manager leads operations, promotes service and sales, and employee development in the Operations of the Branch. The AOM provides superior level of customer service, promotes a service and sales culture through mentoring and coaching, and develops new deposit and loan business. The AOM is responsible for implementing human resource strategies that involve cultivating a solid team, leadership according to ValueBank Texas’ core values and mission statement, and focus on delivering the best customer and employee experience.

Key Assistant Responsibilities:
Operations:
• Manages Operations personnel including training, mentoring, staffing, scheduling, prioritizing, and delegating work assignments
• Responsible for opening new accounts and maintaining customer relationships
• Performs monthly, quarterly and annual audits, reviews accounts for CIP exceptions
• Audit bank vault, buying and selling of cash, ensuring regulations such as REG CC holds are done
properly, balance and replenish ATM according to bank policy
• Must comply with BSA/AML/OFAC regulations and guidelines

Business Development/Sales Development:
• Maintains strong collaborative relationships with relative business lines, partners, and peers
• Strengthens and maintains customer relationships by cross selling products and delivering superior customer service
• Participates in bank sponsored community volunteer projects and assignments to increase bank’s visibility
• Identifies referral opportunities and makes relevant referrals across lines of business

Employee Development:
• Leads and follows up on action plans to improve employee experience
• Does observations to evaluate and mentor team to encourage stronger performance
• Supports Retail Operations Manager in their external market/business development objectives by managing to superior service and sales
*Performs other job-related duties or special projects as assigned