Relationship Banker

JOB SUMMARY:

The Relationship Bankers primary goal is to learn all products and services that can be delivered from the new accounts department and formulate a new account manual that allows new accounts department staff to facilitate all types of new account department transactions, help customers by discovering financial needs, helping with problem resolutions, and processing transactions when needed. The Relationship Banker is responsible for performing branch operational activities and financial services, processes all new account transactions, assisting customers in their selection of various accounts and financial services, opening, maintaining and closing of all account types, promoting business for the Bank by maintaining good customer relations and referring customers to appropriate staff for new services. You will partner with the branch team and specialists (such as Loan Officers, Business Bankers, and Financial Advisors), to ensure our customers get access to experts who can help them with specialized financial needs.

DUTES AND RESPONSIBILITIES:

New Accounts

• Learn all new account products and services.
• Develop and maintain a product/service manual to be used by all bankers to ensure consistent account processes.
• Communicate with all bankers to understand whether current procedures are effective and uncover any inconsistencies.
• Explaining, promoting and selling all products and services to current and prospective customers.
• Providing exceptional service that is consistent with or exceeds bank standards of excellence in customer service.
• Opening, maintaining and closing all types of transactions and deposit accounts.
• Facilitating the consumer lending process by learning Decision Pro.
• Resolving customer issues in a timely, consistent and professional manner.
• Performing other job-related duties as assigned.

ACH

• Review the banks ACH process and recommend changes in policies and procedures.
• Determine the capabilities of our ACH system and ensure the bank is using it to its full capacity and selling accordingly.
• Identify staff that is part of the ACH process.
• Ensure all applicable staff members are knowledgeable of the ACH process.
• Develop sales material for ACH and assist bankers in presentation as needed.

Cash Management

• Review the banks cash management product.
• Determine the capabilities of the cash management product and ensure the bank is using it to its full capacity and selling accordingly.
• Review competitors cash management and develop comparison to our bank.
• Investigate cash management alternatives if management decides to change.
• Develop sales material for cash management and assist bankers in presentation as needed.

JOB QUALIFICATIONS:

• College degree preferred or High school degree/GED or foreign equivalent.
• Cash handling experience, preferred.
• Ability to establish credibility and rapport, be friendly and personable and look for ways to benefit the customer.
• Excellent customer contact skills; comfortable asking questions/interviewing customers about their financial situation; strong listening skills.
• Understands how to present features, and benefits of products and services to customers with differing needs.
• Self-motivated, assertive, performs well in a team environment to service customers.
• Professional, thorough and organized; able to follow standard operating policies and procedures.
• Ability to learn products, services and procedures quickly and accurately; explain concepts clearly to customers.
• Excellent written and verbal communication skills preferred.
• Ability to work branch hours, including weekends and some evenings.