Senior Relationship Banker - Downtown Waterloo at Community Bank & Trust

Description

TITLE: Senior Relationship Banker

DEPARTMENT: Retail Banking 

JOB SUMMARY:

The Senior Relationship Banker is responsible for developing, maintaining, and deepening relationships with consumer and business clients by providing them with exceptional client service and recommending solutions that will fulfill their financial needs. This role will focus on portfolio development, client retention, referrals, and relationship management. Responsible for identifying referral opportunities and recommending wealth management and treasury management options to clients. 

ESSENTIAL FUNCTIONS:

• Source and build long term, meaningful relationships with clients, evaluate and understand their financial needs, and provide solutions through product and service offerings from Retail and Treasury.
• Guide individuals and businesses with investment products and services and collaborate with other departments to meet the financial needs of the clients.
• Maintain strong knowledge in lending, fiduciary and small business transaction accounts.
• Provide subject matter expertise on all bank products and services.
• Process consumer loans.
• Promote and cross-sell the full line of retail bank loans, deposit products and services and electronic services to individuals ensuring that their financial needs are met and that long-term account relationships are developed and maintained.
• Maintain a system of orderly follow-up by mail and telephone to onboard new client relationships.
• Answer questions, address service challenges, and provide resolutions. 
• Collaborate with business development and lending teams to seek and establish new clients in the marketplace.
• Coordinate and participate in sales presentations at partnership meetings.
• Achieve monthly partnership event goals and track progress.
• Maintain knowledge of internal audit procedures, legal and bank regulations, and policies and procedures.
• Assist clients with HSAs, IRAs, fiduciary, and small business products. 
• Assist clients with consumer lending needs including the ability to take a loan application and maintain a sound lending portfolio. 
• Maintain knowledge and understanding of Home Equity Lending. 
• Answer inquiries and provides information to prospective and current clients regarding interest rates, account charges, and other pertinent account information while complying with disclosure requirements, regulations, and consumer privacy policies. 
• Assist with training and on-boarding of new team members. 
• Follow security procedures consistently and protect client confidentiality. 
• Support security testing, internal and external audits, and regulatory and compliance exams with a prioritized sense of urgency. 
• Maintain Signature Guaranty Program.
• May provide financial literacy to clients and may participate in partnership banking.
• Comply with all company or regulatory policies, procedures and requirements that are applicable to this position.
• Invest in community partnerships and participate in community events in support of our brand and culture.
• Foster and preserve a culture of diversity, equity, and inclusion.
• Additional duties and responsibilities may be required to support the company’s mission, vision, and values. 

QUALIFICATIONS:

• High school diploma or equivalent required
• Three years’ experience in banking, client service, or related field with cash handling experience preferred. One year lending experience preferred.
• Excellent client service skills
• Capability to prioritize and execute a variety of tasks simultaneously, at times in a demanding environment.
• Capability to perform data entry utilizing banking software and Microsoft 365 products, with a high level of accuracy and attention to detail.
• Demonstrates strong decision making & complex critical thinking skills, as well as strong interpersonal and written communication capabilities.
• Ability to solve complex customer questions or issues.

WORKING CONDITIONS:

• Duties performed in a professional office environment.
• Standard office environment.
• Requires travel to other bank locations or client sites. 

At QCR Holdings, Inc. we are committed to fostering and preserving a culture of diversity, equity, and inclusion and strongly believe that it is our differences - of all kinds - that make our company and our communities better and stronger.

QCR Holdings, Inc. is an equal opportunity employer. All qualified applicants will receive consideration for employment without regard to race, color, religion, sex, disability, age, sexual orientation, gender identity, national origin, veteran status, or other protected class status.

It is the policy of QCR Holdings, Inc. to comply with the Americans with Disabilities Act by providing reasonable accommodations to enable qualified individuals with disabilities to access the job application and interview process, to perform the essential functions of the job, and to receive equal access to other benefits and privileges of employment.