Retail Banker

Position Title: Retail Banker Reports To: Location President Classification: N on-Exempt Revised: May 2026 Scope: Reporting to the Location President, the Retail Banker is responsible for assisting with the daily operations of the Location, helping to lead lending and business development initiatives of the location. The quality and nature of this leadership will result in meeting the needs of the customers, staff and bank while achieving both the short and long-term goals of the bank. The Retail Banker is responsible for generating, negotiating, underwriting, and coordinating the closing of routine consumer loans and mortgage loans in compliance with the bank's lending policies and procedures. This position is also responsible for the maintenance of loans, and in the event of delinquency, the collection of loan payments. As part of this, the Retail Banker is responsible for public relations and generation of new business in accordance with the goals and objectives of the bank. Represents the bank in the local community through active participation in community affairs. Accountabilities: Loan Portfolio Management: 55% Responsible for generating routine consumer loans and mortgage loans within guidelines set by bank policy and growth targets. This will include interviewing the customer and completing the loan application. Responsible for all aspects of loan origination. This includes underwriting the loan within credit policy and personal credit approval limits. Also, responsible for credit quality, credit approval, processing, and the closing of the loan. This person is responsible to control the past due loans of their personal loan portfolio, including collecting delinquent payments. This position is responsible to close the loan with the customer. At that time, the loan will be given to a loan processor for documentation. The lender will be responsible for all documentation and ensure that the bank's position is secured. This position is required to register with the Nationwide Mortgage Licensing System & Registry. This position will need to comply with initial registration and ongoing registry requirements. Business Development: 30% This position will be familiar with all bank offerings. This person will refer customers to the appropriate department for service and cross-sell customers to other banking services. This may include a referral to the WMG or cross-selling deposit products, investment products, insurance products or any other product the customer may be a candidate for. Support the overall Location sales effort. Direct sales goals may be established by management for such items as IRA's, HSA's, CD's, ATM cards, direct deposit, automated banking, or referrals for other bank products. Must help attract prospects to the bank. This person will make calls on specific prospects. Responsible for generating new consumer loans and mortgage loans for the bank. This will include soliciting new business relationships and strengthening relationships with existing customers. Location Administration: 10% Support the atmosphere within the location that attains and maintains a high level of morale and embraces our Vision, Mission, Values and Service Standards. Provide leadership for location specific promotions and initiatives. Ensure that the properties and facilities are kept in accordance with bank standards for appearance, cleanliness, and safety. Other: 5% Active involvement in key community, banking and civic organizations and activities, as appropriate, to represent the bank in the community. As part of the overall team of bank employees, this position may be requested to assist in the support of other bank activities as assigned. Competencies: Adaptability: Able to adjust quickly to different work situations and remain composed under pressure and in stressful situations. Must embrace change and see change as an opportunity. Consider themselves as part of a larger bank team and helps build teamwork. Attention to Detail: Regard for all important details to ensure accuracy in every transaction performed; detect errors; follow through on corrections and details. Able to develop personal tracking/reminder systems to ensure that important activities are not missed. Customer Orientation: Recognize and respond sensitively to the overall financial needs and priorities of the customer; recognize and take appropriate action to meet their needs; establish an effective working relationship with customers to gain their respect and loyalty. Financial Analysis: Must clearly understand all aspects of accounting and finance in a community bank environment. This includes understanding reconcilement, general ledger, budgeting, and pricing along with the ability to understand numbers and use those skills as they pertain to loans and the loan underwriting process. Negotiation and Sales Skills: Must understand the concepts of negotiating and sales as it pertains to selling financial service products in a community bank. Must be able to cross sell customers and make referrals to other areas of the bank. Must be able to develop a "win-win" approach to problem solving with customers. Oral/Written Communication: The ability to express and to communicate thoughts and ideas in a professional, clear, and concise manner, both orally and in written form to a variety of audiences and to all levels of staff. Professionalism: Projects a positive image of the bank to all internal and external customers at all times along with the ability to work well with others. Helps to build and promote teamwork. Time and Work Management: Ability to effectively manage one's time to complete work according to established deadlines. The ability to prioritize tasks to make the best use of time for high priority tasks. Education and Special Requirements: Business administration degree or related field along with three to five years of prior sales and/or banking experience preferred. This job requires skills needed in a typical office environment. This includes communications skills, computer skills such as, but not limited to Word and Excel as well as utilization of typical office equipment. Internal Education: BAI Courses: All Staff, Personal/Retail/Ag Banker, Real Estate Department Physical Requirements Ability to remain in a stationary position (e.g., standing or sitting) for extended periods. Frequent use of hands and fingers for data entry, handling cash, and operating office equipment. Visual acuity to read documents, computer screens, and currency. Manual dexterity for typing and handling paperwork. Occasional travel to client sites or other bank locations (if applicable). If you are a registered MLO, you will also have the following duties: Responsible for the generation of real estate loans for the bank within guidelines set by bank policy and growth targets. This will include soliciting new business relationships and deepening relationships with existing customers. This position will handle phone inquiries regarding mortgage rates and requirements for getting a loan with the bank. During the loan process, this person will assist customers through the mortgage process and handle issues as they arise. This position is responsible to close the loan with the customer. This person is responsible to control the past due loans on the real estate portfolio. Maintain current mortgages and collect delinquent payments. This position is required to register with the Nationwide Mortgage Licensing System & Registry. This position will need to comply with initial registration and ongoing registry requirements.