The Relationship Banker provides customer service and recommendations of products and services while reaching established goals. Utilizes the Bank’s Service Excellence Standards and product knowledge to develop and manage customer relationships.
Essential Job Functions
- Actively stays current on all Bank products, services, procedures, policies, and applicable regulatory and compliance requirements by regularly attending team meetings, completing mandatory training on schedule, and applying knowledge to ensure accuracy and compliance in daily operations.
- Demonstrates and explains additional products and services to customers using a consultative approach, identifying complementary services that add value; aims to cross-sell when appropriate, including during in-branch visits and when completing outbound calls using leads generated from Marketing or customer relationship management (CRM).
- Deepens relationships with new and existing customers by discussing and identifying customers’ financial needs, including making referrals to other colleagues and departments to ensure customer needs are met.
- Opens new consumer and business accounts, certificates of deposit (CDs), and all other ancillary products offered by the Bank. Answers customer questions, provides account opening information, and ensures proper paperwork is completed and entered into the system.
- Meets performance goals consistently, while actively promoting products and services to add value and create customer awareness.
- Participates in all Bank business development initiatives including deepening existing customer relationships and promoting banks products and services. Learns and adheres to all branch operation policies and procedures, including but not limited to check cashing, deposit-taking, account openings, debit card issuance, branch openings and closings, audit and compliance requirements, vault/automated teller machine (ATM) management, and other operational functions.
- Services customers by processing a variety of transactions with minimal or no errors, including but not limited to:
- accepting checks for cash and deposit processing payments for loans and other services maintaining necessary logs and processing mailed deposits issuing money orders and official checks, processing coin, and ordering customer checks according to Bank policies and procedures assessing appropriate fees for all services verifying all transactions, placing holds when appropriate, and balancing assigned drawer upon completion of assigned shift to ensure compliance.
- Verifies transactions and account balances, ensuring compliance with bank policies and state and federal regulations and the Bank Secrecy Act (BSA).
- Provides support with ATM related issues and weekly ATM balancing procedures.
- Aids with verification of incoming and outgoing cash shipments and performs security function by opening and closing Bank and vault, ensuring overall safety and security of Bank grounds.
- Ensures adherence to federal and state laws, regulations, and bank policies by preventing violations, minimizing risks, and safeguarding the Bank’s interests.
Requirements
Education and Experience
- High school diploma or equivalent.
- Obtain Notary Public commission within the first year of employment.
- 1-2 years of teller, customer service and/or sales experience.
- Cash handling experience preferred.
- Basic knowledge and aptitude for math, working with numbers and cash handling.
- Demonstrated passion and commitment to delivering experiences that enhance clients’ financial well-being.
- Proficient with computer software applications and utilizing internet-based applications.
- Highly motivated self-starter with a strong work ethic, focused on acting in the best interest of clients while considering the Bank’s objectives.
- Attention to detail, ability to use critical thinking and problem-solving skills to effectively address clients’ needs.
- Ability to communicate clearly and confidently, easily engaging with clients of all types, work collaboratively to achieve goals, fostering and maintaining strong relationships, develop banking industry skills and possess qualities needed to provide an exceptional customer experience, work effectively as part of a team, and willingness to work evenings, weekends, and at multiple market locations as required.