Description: Decorah Bank & Trust Leadership & Service to Others * Growth Mindset * Teamwork * Have Fun!
Family and employee owned Decorah Bank & Trust is seeking a full-time Personal Banker to join our growing team!
The purpose of the Personal Banker role is to attain A+ quality premium priced relationships by delivering exceptional customer service leading us to acquire all of their business and referrals of their friends. This position develops, manages, and retains high value banking clients and brings new business to the bank. The focus is on relationship management and relationship-based selling. Some responsibilities include: providing basic financial banking advice to clients, managing a consumer loan portfolio, selling appropriate deposit products and other services, identifying and capitalizing on cross-sell opportunities and making appropriate referrals to internal sources.
ESSENTIAL DUTIES AND RESPONSIBILITES:

• Determines customers' financial needs and provides solutions or referrals to other areas of the bank.
• Assists with development of prospect lists, campaigns and other activities of retail development team.
• Contacts prospective customers in person, by phone or in writing, to develop business and grow the bank.
• Cross-sells other products and services by referring to appropriate bank personnel to solidify relationship.
• Builds and manages a portfolio of retail households through proactive relationship-building efforts that include a mix of service and sales contacts.
• Negotiates rates for certificates of deposit.
• Handles existing customer service needs such as address changes, account type conversions, signer changes, etc.
• Handles transactions such as IRA contributions and distributions, CD renewals, account closings, etc.
• Handles savings bond transactions.
• Demos services such as Internet Banking, Personal Financial Management, etc.
• Helps customers with check orders, endorsement stamps, notary services, etc.
• May specialize in oversight of a program or product line such as IRA's, HSA's, ID Theft Resolution Service, etc.
• Prepares forms or agreements to complete sales or transactions.
• Helps in other areas of the bank as needed.

Requirements:

QUALIFICATIONS

To perform this job successfully, an individual must be able to perform each essential duty satisfactorily. The requirements listed below are representative of the knowledge, skill, and/or ability required. Reasonable accommodations may be made to enable individuals with disabilities to perform the essential functions.

EDUCATION and/or EXPERIENCE

High school diploma or general education degree (GED); or 3 to 6 months related experience and/or training; or equivalent combination of education and experience.

LANGUAGE SKILLS

Ability to read, analyze, and interpret general business periodicals, professional journals, technical procedures, or governmental regulations. Ability to write reports, business correspondence, and procedure manuals. Ability to effectively present information and respond to questions from groups of managers, clients, customers, and the general public.

MATHEMATICAL SKILLS

Ability to add, subtract, multiply, and divide in all units of measure, using whole numbers, common fractions, and decimals. Ability to compute rate, ratio, and percent and to draw and interpret bar graphs.

REASONING ABILITY

Ability to apply common sense understanding to carry out instructions furnished in written, oral, or diagram form. Ability to deal with problems involving several concrete variables in standardized situations.

PHYSICAL DEMANDS

The physical demands described here are representative of those that must be met by an employee to successfully perform the essential functions of this job. Reasonable accommodations may be made to enable individuals with disabilities to perform the essential functions.

While performing the duties of this job, the employee is regularly required to sit; use hands to finger, handle, or feel; and talk or hear. The employee is occasionally required to stand, walk, and reach with hands and arms. The employee must occasionally lift and/or move up to 10 pounds. Specific vision abilities required by this job include close vision, and ability to adjust focus.

WORK ENVIRONMENT

The work environment characteristics described here are representative of those an employee encounters while performing the essential functions of this job. Reasonable accommodations may be made to enable individuals with disabilities to perform the essential functions.

The noise level in the work environment is usually moderate.

OTHER QUALIFICATIONS

Computer skills, Microsoft Word & Excel

Excellent customer service skill

Sales Abilities

Abilities to meet deadlines