Personal Banking Officer

Overview

The Personal Banking Officer (Brickell) is responsible for delivering personalized service and support across all aspects of customer engagement, relationship management, and account maintenance within the branch. This role assists in managing client relationships and supports a variety of banking functions, including customer transactions, loan processing, credit analysis, overdraft and returned item handling, and general administrative tasks. The Personal Banking Officer must ensure full compliance with all applicable Customer Identification Program (CIP) and Bank Secrecy Act/Anti-Money Laundering (BSA/AML) regulatory requirements.

Responsibilities

• Grow and manage a personal portfolio while supporting overall branch growth goals (DDA, deposits, loans, referrals).
• Assist in opening and servicing Personal and Business accounts, ensuring complete and accurate documentation.
• Understand the customers’ background and identify the needs of potential ones; clearly communicate solutions and product benefits.
• If licensed as an MLO, support HELOC applications and loan servicing.
• Meet annual production goals which may include, but not limited to, DDA growth, deposit growth, new loan production, loan portfolio growth, credit card referrals, and other cross-selling products referrals.
• Approve overdrafts, wire transfers, and over-the-counter transactions within authorized limits.
• Support daily branch operations including opening/closing procedures.
• Identify customer needs and recommend appropriate banking products and services.
• Collaborate with internal partners (e.g., Residential Mortgage, Treasury Management) to generate qualified referrals.
• Maintain up-to-date KYC profiles and ensure compliance with BSA/AML regulations.
• Provide a wide range of customer services including account maintenance, document preparation, and issue resolution.

Qualifications

• Education/Experience:

  Requirements

   

• Associate’s degree in Business (Finance or Accounting).
• 4+ years of banking experience required, directly related to servicing customers in retail banking branch operations.

Combination of education and experience will be considered.

 

Skills & Competencies

• Ability to understand and implement job related policies and procedures. 
• Knowledgeable of internal bank operations (wire transfers, debits/credits and loan payments) and of banking products to cross-sell. 
• Ability to handle financial transactions, fraud detection, and customer dispute resolution.
• Experience working in a team (sales and service), and high-quality service advocacy. 
• Knowledge of the completion of KYC. 
• Comprehension of banking laws and applicable compliance regulations. 
• Must possess excellent verbal and written communication skills, interpersonal and organizational skills.  
• Proficiency in MS Office Software, (Excel, Word, Outlook, Power Point, and Teams).  

 

Preferences

• Bachelor’s Degree in Business Administration (Business, Finance preferred) with two (2) years of banking experience, directly related to servicing customers in retail banking branch operations.

 

Licenses/Certifications

• None

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