Relationship Banker

Description

Job Summary:

The Relationship Banker is responsible for delivering exceptional customer service, managing banking transactions, deepening client relationships, and driving sales opportunities. This role combines transaction processing, loan services, account management, compliance, security, and community engagement to support the overall success of the branch. The Relationship Banker is expected to proactively identify customer needs, provide tailored financial solutions, and contribute to revenue growth. This full-time, non-exempt position reports to the Branch Manager.

Key Responsibilities:

Relationship Building & Sales Support

· Proactively identify customer needs and offer tailored financial solutions through consultative selling.

· Actively promote and cross-sell the bank’s products and services, including deposits, consumer loans, home equity products, and digital banking solutions.

· Track and document sales activities using CRM tools.

· Participate in branch promotions, marketing campaigns, business outreach, and community networking events.

· Conduct needs-based financial discussions with clients and refer them to specialized banking partners when necessary.

Customer Transactions / Customer Service

· Process customer transactions, including deposits, withdrawals, check cashing, transfers, loan payments, and ATM transactions with accuracy and efficiency.

· Educate customers on bank products, services, fees, and policies, addressing inquiries and resolving issues in a timely manner.

· Provide exceptional customer service, build trust, and deepen relationships by identifying customer needs and recommending relevant products and services.

Account Maintenance / Use of Bank Systems

· Open and maintain consumer and business deposit accounts, debit cards, check orders, and wire transfers.

· Administer online banking services, reset passwords, and resolve digital banking issues.

· Process consumer loan applications, advances, disbursements, and payoffs.

· Handle IRA distributions, renewals, and closeouts while ensuring proper documentation.

Compliance, Security & Risk Management:

· Maintain up-to-date knowledge of banking regulations, compliance policies, and security procedures.

· Process BSA reporting, including Currency Transaction Reports (CTRs), Suspicious Activity Reports (SARs), and monetary instrument logs.

· Follow robbery deterrence procedures, monitor branch security measures, and ensure dual control protocols are in place.

· Conduct security-related audits, including bait money logs, alarm testing, and counterfeit currency monitoring.

Community Engagement & CRA Participation:

· Support the bank’s commitment to community involvement by participating in CRA initiatives and volunteer opportunities.

· Represent the bank at community events to promote financial literacy and services.

· Coordinate branch-led sponsorships, financial education workshops, and business networking initiatives.

· All other duties as assigned.

Other Duties may include Cash Handling:

· Balance personal cash drawer and assist with branch-wide cash balancing, including vault and ATM reconciliation.

· Conduct end-of-day branch balancing procedures, maintaining accurate logs and reports for audits.

· Monitor transactions for potential fraud, verifying account details and fund availability.

· Ensure compliance with all cash handling, balancing, and dual control security protocols.

Requirements

SKILLS & QUALIFICATIONS: 

Education & Certifications· High school diploma or equivalent required; bachelor's degree in finance, business, or a related field preferred. Active NMLS registration preferred and/or the ability to obtain registration required· Certifications in Banking, or Financial advisor/coach desired· Notary Public certification preferred.

Experience· Minimum of 3 years of experience in banking, in a customer service, sales or relationship management position· Proven track record in cross-selling banking products and services. Experience in consumer loan processing, wire transfers, and digital banking platforms.

Skills· Strong consultative selling and relationship-building abilities. Excellent customer service, communication, and problem-solving skills. High attention to detail with strong mathematical and transaction processing abilities. Proficiency in banking software, CRM tools, and Microsoft Office applications. Knowledge of financial regulations, compliance standards, and security best practices.

PHYSICAL DEMANDS:· Frequently moves about within the branch environment to interact with clients and staff. Operates computers, phones, and office equipment continuously throughout the workday. Remains seated for extended periods while performing desk-based tasks. Occasionally lifts and carries objects under 20 lbs., such as supplies, ledgers, or promotional materials. Occasionally travels between branch locations and external events.

Salary : $22 - $28