Personal Banker

**TITLE:** FINANCIAL SERVICE SPECIALIST III (PERSONAL BANKER) **DEPARTMENT:** FOLSOM BRANCH **REPORTS TO:** BRANCH MANAGER **PAY SCALE:** $21.44 - $26.80 PER HOUR We are seeking a candidate who enjoys being of service to customers and possesses excellent communication skills for our **Financial Service Specialist III (Banker)** position at our Folsom branch. An individual who derives satisfaction and accomplishment from building strong member relationships, identifies cross-sale opportunities, supports overall branch production and service goals would be successful in our environment. Our FSS III work a fixed schedule, which allows you the work/life balance you need. The selected individual will be scheduled to work 37/40-hours a week as follows: **Monday** 8:45 am – 5:45 pm **Tuesday** 8:45 am – 5:45 pm **Wednesday** 8:45 am – 5:45 pm **Thursday** 8:45 am – 5:45 pm (Alternating off when schedule to work Saturday) **Friday** 8:45 am – 5:45 pm or 9:15 am - 6:15 pm **Saturday** 9:30 am - 2:30 pm (alternating off when scheduled to work Wednesday) **Sunday** OFF **RESPONSIBILITIES INCLUDE:** - Open new accounts, including personal, minor, business, trust, and other specialty accounts, ensuring accuracy, compliance, and a seamless onboarding experience. - Originate, evaluate, and process consumer loan applications, including auto, personal, credit card, secured/unsecured loans, and home equity products. - Conduct needs-based member interviews through consultative conversations to assess financial goals, borrowing needs, and eligibility for credit union products and services. - Open IRAs and complete IRA maintenance such as withdrawals, rollovers, and transfers. - Able to process deceased account closures and Member Account Transfers. - Analyze credit reports, income documentation, debt ratios, and collateral to determine creditworthiness and recommend appropriate lending solutions. - Refer member’s mortgage and investment needs to the appropriate person/department. - Mentor and train branch staff in loan and deposit products and services. - Provide notary and medallion stamp service to members. - Support branch operations by auditing new account packets, loan files, and daily work to ensure accuracy, completeness, and compliance with established policies and procedures. - Generate loan and membership growth through outbound calling, member referrals, business development, and community engagement. - Assist at other branches, as needed. - Maintains effective communication and working relationships with all members and co-workers. - Participates in external marketing events to gain new relationships and grow market share. - Adheres to SCU Dress Guidelines. - Maintains good attendance record. - Performs other related duties. **QUALIFICATIONS:REQUIRED:** - High School Diploma or equivalent - Two-to-four-year experience in a financial services, banking, credit union operations, or a similar member‑facing role. - Demonstrates experience in consumer lending, including loan interviewing, basic underwriting, and loan processing. - Proven experience opening new accounts (personal, business, trust, and specialty accounts) with accuracy and compliance. - Effectively reviews and analyzes account history to make informed risk-based decisions regarding check holds and transaction approvals to prevent losses. - Provide guidance, support, and training to all Financial Service Specialists **PHYSICAL DEMANDS:** Employees may experience the following physical demands for extended periods of time: - Keyboarding, up to 80% of the time. - Prolonged sitting or standing throughout the workday. - View computer screen, up to 90% of the time. - Use of telephone, up to 50% of the time. - Bend/stoop to lift up to 30 pounds, up to 5% of the time. Our excellent benefits package includes medical, dental, vision, Paid Sick Leave, Paid Time Off, paid holidays, life insurance/AD&D, short-term and long-term disability, 401(k), and more for full-time employees. It is…