Personal Banking Specialist

Job Description for Personal Banking Specialist: Provide quality, accurate, and timely customer service through daily processing of financial transactions and account openings in a retail banking environment. The Universal Banker introduces bank products and services through outreach to prospects and delivers tailored recommendations to existing clients to deepen relationships. This role supports banking center goals by meeting or exceeding sales and referral targets, conducting outbound sales activities, and assisting banking center management as needed. Qualifications for Personal Banking Specialist:

• Meeting the education criteria involves having a high school diploma or a GED.
• It is recommended to have one year of experience as a Teller.
• A background credit assessment clearance is a prerequisite for moving forward in the verification process.

Benefits of Personal Banking Specialist:

• Health insurance with wellness perks for policyholders.
• Insurance packages for maintaining oral and visual well-being.
• Employer-matched Health Savings Account (HSA) for medical expenses.
• The provision of maternity and parental leave reflects a recognition of the importance of supporting employees during significant life events such as the birth or adoption of a child.
• Tuition reimbursement.
• Mentor program.
• Included in the benefits package is a 401(k) plan with a 6% employer match.

Sales and Service:

• Support tellers and customers effectively to minimize delays and uphold service standards.
• Manage teller operations by performing tasks such as deposit processing, cash withdrawals, currency management, and check cashing.
• Manage the establishment and upkeep of deposit accounts, covering checking, savings, IRAs, certificates of deposit, and money market accounts.
• Recommend suitable banking products and services by understanding client needs through consultative discussions.
• Expand business opportunities by suggesting additional products and guiding clients toward bank partners for potential collaboration, aiming to increase revenue streams and client engagement.
• Conduct frequent outbound calls to communicate with clients and prospects, especially during special deposit and loan initiatives.
• Offer support to individuals completing personal and retail consumer loan applications and facilitate the handover of approved forms to the relevant staff member.

Client Experience:

• Investigate client issues and provide responses to inquiries regarding their account status.
• Uphold a commitment to delivering professional, consistent, and favorable client experiences.
• Provide rapid and effective solutions for client questions and concerns.
• Broaden your knowledge of offerings by engaging in sales conferences, educational workshops, and virtual learning opportunities.

The field of compliance and risk management deals with regulatory adherence and the controlled handling of uncertainties:

• Observe all relevant bank regulations, policies, operational procedures, and internal compliance mechanisms.
• Maintain compliance with risk management protocols and the ethical code specified by First Horizon.
• Ensure conformity with the S.A.F.E. Mortgage Licensing Act of 2008 and all pertinent regulatory statutes.

Operational Efficiency:

• Help ensure that daily operations run smoothly for banking center associates, with a focus on adhering to audit standards.
• Support the on-the-job development of new associates in the management of banking centers.
• Stay informed about operational updates and procedural modifications to ensure ongoing adherence.
• Accomplish all other assigned job duties.

Proficient use of computers and office equipment is a core competency needed in various job roles:

• Ability to effectively operate Microsoft Office Suite programs.
• Adept at using office and banking equipment like a 10-key calculator and coin-counting machines.

The DeGarmo Behavioral Assessment Requirement requires a meticulous evaluation of behavioral aspects to ascertain specific patterns and trends:

• The DeGarmo Retail Behavioral Assessment must be satisfactorily completed by all aspiring candidates.
• Allocating about 12-15 minutes is customary for completing the assessment.
• Assessment results need to be submitted before Talent Acquisition evaluates the application.

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