Personal Banking Officer

  • 3-5 Year
  • Ottawa
  •   Posted On: September 14, 2018
  •   Skills:  Communication, Customer Service Manager, Excel, Financial Planning, Negotiating, Problem Solving

Job Overview

Roles & Responsibilities

Major Responsibilities

Contributes to the growth and on-going maintenance of the business and community portfolio 

Sources, receives, investigates, and analyzes requests for products from a variety of sources, including individual accounts, commercial accounts, non-member/client business entities, Associations, Co-Operatives, Not-for-Profit organizations, direct and indirect competitors

Manages Alterna’s business relationships including commercial accounts, Co-Operatives, Not-for-Profit organizations.

Meet sales targets by delivering products and services that puts the member’s needs first.

Proactively promote/sell and deliver a full range of banking products and services to meet our member’s needs.

Follow sales and service model by attending and actively participating in branch meetings, huddles, initiatives and campaigns.

Maximizes sales opportunities by using effective sales interviewing skills that uncover longer term financial member needs.

Provide financial advice to members with investment/credit needs requiring moderate financial solutions, using Alterna’s financial calculators.

Acquire and refer potential high value member relationships to PFA’s, FAS, SME and external partners.

Maintain a working knowledge and understanding of all products and services we offer and keep up to date with procedural changes.

Understand and apply risk based pricing models and use rational pricing discretion to ensure every customer is profitable.

Uses sales and service tools to support member interactions (iSpectrum, Financial Calculators, The Source, STARS)

Develop and implement a proactive member call plan.

Follow through on self generated sales and retention leads.

Follow through on referrals from other internal staff.

Identify and set personal development plan and complete activities set in plan.

Actively participate in regular coaching sessions.

Compliant with anti money laundering guidelines

Perform other duties as assigned.


Education / Certification / Experience 

Post secondary education combined with 3 years related experience in a financial institution or an equivalent combination of education and experience 

Proven track record in sales

CSC or IFIC course completed or obtained within 12 months

As part of continuing education enrolled in Financial Planning or other similar type programs

Experience in providing credit solutions

Knowledge / Skills

Requires above average knowledge and skills as relates to: analytical and inter-personal skills, general business knowledge, and mathematical aptitude 

Detailed working knowledge of investment and good knowledge of lending and mortgages sufficient to analyze member’s needs, explain features and benefits and place the product for the members

Sound knowledge of various computer applications such as Excel, Word etc

Good knowledge of the sales process and strong communication skills to interview effectively to uncover member needs

Good problem solving skills sufficient to identify, analyze and resolve complex member issues/problems

Solid negotiation skills to deal with member solutions and sales

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