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Personal Banker

Company: BancorpSouth
Location: Marshall
Posted on: November 21, 2022

Job Description:

There are many things to consider when deciding on your next employer. Do you want a job where you earn a paycheck? Or do you want a CAREER with a company that values their employees as well as the communities that they are in? At Cadence Bank we are more than just a work place. We are a company that prides itself on values and the people that we employ. Start your search for a career with our company!

Job Description

Position: Personal Banker IV

Physical Location: 1101 Pinecrest Drive East, Marshall, TX 75670

Reports To: Local Bank Manager, Relationship Manager or President

Working Conditions: Normal, no adverse or hazardous conditions

Job Group Category: Non-Exempt

Work Hours: Normally M-F 8:00 am to 5:00 pm, may vary between locations

Primary Purpose: The ideal Personal Banker uncovers the financial needs of each customer and makes recommendations to address those needs. The Personal Banker performs customer services, such as opening new accounts, establishing direct deposit accounts, opening retirement accounts, assisting customers with queries concerning bank services, and provides basic cash receipt and payment services in accordance with Cadence procedures. The Personal Banker is responsible for developing new business relationships and maintaining existing relationships. The Personal Banker 4 assists Relationship Managers within retail bank locations in the preparation, set up and processing of consumer and commercial loans, and other various duties as assigned.

Principal Duties and Responsibilities:

  • Supports the branch in achieving individual and team goals, while always acting in the customers best interest.
  • Provides exceptional customer service to all customers while treating all customers and prospects in a fair and equitable manner.
  • Maintains a strong working knowledge of bank products and services.
  • Engages customers and prospects through the use of questions to discover financial needs.
  • Presents and educates customers and prospects on the benefits of solutions offered by Cadence, including digital services and other self-service options.
  • Actively refers customers to appropriate specialists and other lines of business to fulfill specialized needs.
  • Assists customers with routine inquiries regarding account balances and account information.
  • Proactively seeks prospects for new business through outreach and follow-up.
  • Assists customers by answering questions, researching transactions, etc., while maintaining compliance and policy standards.
  • Represents the bank in community affairs and civic organizations.
  • Performs additional duties as required.
  • Opens new deposit accounts and performs maintenance as needed on existing deposit accounts including:
  • Prepares account paperwork, receives new account deposits and ensures that all accounts are properly processed.

    * Performs teller duties including:

    • Processes checks and cash for deposits to accounts, verifies amounts, examines checks for proper endorsement.
    • Cashes checks and processes withdrawals after verification of customers signatures and balances.
    • Counts, checks and packages coins and currency.
    • Balances cash drawer at the end of the shift and compares total amounts to computer-generated sheet and reports any discrepancies to the Head Teller as necessary.
    • Checks night depository bags and records proper information.
    • Ensures that the teller stations are properly stocked with forms, supplies, etc.

      * Performs loan assistant functions including:

      • Review loan documents for errors and compliance issues.
      • Assemble loan packages.
      • Perform loan closing on occasion.
      • Remit Deeds, UCCs, and titles for recording if applicable.
      • Review and work loan exception reports.
      • Prepare and process line of credit draws.
      • Prepare and submit loan payments.
      • Process payments for loan closing fees to third parties.
      • Verify insurance policies on collateral.

        Job Specifications:

        • High school diploma or equivalent.
        • Knowledge of loan policies and procedures (1 to 2 years of loan preparation and processing experience preferred).
        • Successful completion of in-house training program or other approved training program.
        • Prefer six months experience in the teller function, as well as sales experience, particularly in cross-marketing products and services.
        • Excellent sales, interpersonal and communication skills.
        • Good understanding of Cadences products and services.
        • Above average computer and keyboard skills
        • Good organizational skills.
        • Ability to lift up to twenty-five (25) pounds.


          The above information on this description has been designed to indicate the general nature and level of work performed by employees within this classification. It is not designed to contain or be interpreted as a comprehensive inventory of all duties, responsibilities, and qualifications required of employees assigned to this job.

          We are an equal opportunity employer and all qualified applicants will receive consideration for employment without regard to race, color, religion, national origin, age, sex, sexual orientation, gender identity, disability, veteran status, genetic information or any other status protected under applicable local, state or federal nondiscrimination laws.

Keywords: BancorpSouth, Longview , Personal Banker, Other , Marshall, Texas

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