Relationship Banker

About the Role:

The Relationship Banker helps clients achieve financial well-being through deep customer relationships and a thoughtful understanding of their needs to offer the best and most appropriate personal and business financial products and services. The Relationship Banker also provides sales and service support to the Retail Store team. They will provide product solutions through ethical business practices and act in the best interest of our clients.

• Build, develop and deepen customer relationships through active market profiling, and needs-based questioning to identify deposit, credit, and investment solutions to help customers achieve their financial goals. Solutions include services and current technologies the Bank offers that are available for customer convenience. Educate customers on alternative channels that provide value, and then refer to appropriate lines of business.
• Establish preset appointments, deliver quality Financial Wellness Review conversations, identify needs, make recommendations, and follow up.
• Assist the customer with their financial growth through savvy advice and educating the customer on alternative channels that provide value and refer to appropriate lines of business. Develop strong partnerships with Operations Leaders, Financial Advisors, Mortgage Advisors, Small Business colleagues and other line of business partners focusing on client acquisition and deepening the relationship of current clients; effectively manage those partnerships.
• Originate simple to complex consumer lending inside the Store.
• Originate limited Small Business loans as well as provides cash management solutions, such as Treasury Management and Merchant Services, payroll, and ACH.
• Recognize a small business with potential and make a quality referral to the proper team.
• Cross-sell other bank services and refer customers to other departments as appropriate.
• Demonstrate compliance with all bank regulations that apply to your position and keep up to date on regulation changes.
• Maintain working knowledge of our policies and procedures regarding the Bank Secrecy Act, Regulation CC, Regulation E, Bank Security, and other regulations that apply to your position.

About You:

• High school diploma or GED required.
• 2-4 years of banking and/or demonstrated sales experience.
• Less than 2 years of experience in developing current and new customer relationships, achieving sales goals, and building referral sources in banking or retail environment with customer service and cash handling experience.
• Less than 2 years of experience in a lending function with loan origination and processing functions, or equivalent training.
• Foundational knowledge of sales and service techniques with consumers and small businesses, including tele-consulting, outside calling, prospecting, and networking. Basic understanding of personal finances and concept of budgeting.
• Must have access to reliable transportation to facilitate travel outside of the branches, including outside sales calls.
• This position requires you to act as a Bank MLO, which is defined as an individual authorized by the Bank to take mortgage loan applications, offer a mortgage, arrange a mortgage, assist a consumer in obtaining or applying to obtain a mortgage, negotiate a mortgage, otherwise obtain or make a mortgage for another person, represent to the public (through advertising or other means of communication) that such person can or will perform any of these activities, or refer a consumer to a loan originator (Note: Except those employees of the Bank who do not discuss particular credit terms available and do not refer the consumer, based on the employee’s assessment of the consumer’s financial characteristics to a particular Bank MLO) for compensation or gain. All MLOs will be required to register as an MLO complying with the SAFE Act requirements.
• This position IS NOT authorized to act as a Bank Closed-End MLO, which is defined as any position designated to perform the activities of a Bank MLO for closed-end transactions, and therefore this position is limited to acting as a Bank MLO for open-end transactions (i.e., home equity lines of credit) only.