Relationship Banker I at Central Bank

Description

POSITION SUMMARY 

The Relationship Banker I is responsible for delivering exceptional customer experience by making every client feel welcomed and valued. This role provides seamless, one-stop experience by efficiently processing transactions and addressing clients’ sales and financial service needs. Utilizing a need-based selling approach, it offers tailored solutions to help build long-term financial relationships. As the branch’s main concierge, responsibilities include handling day-to-day transactions, opening new accounts, and connecting clients with the appropriate team members to ensure their financial needs are fully met.

ESSENTIAL DUTIES AND RESPONSIBILITIES

The essential functions include, but are not limited to the following:

Customer Onboarding & Account Services

• Portray a positive company image and engage in professional and friendly communication with customers
• Clearly understand the key elements of customer service and actively work to exceed customer expectations in every interaction
• Actively listening to customer needs and inquiries to determine appropriate recommendations and service actions
• Refer any customer questions regarding products or services to the appropriate person
• Process transactions such as term deposits, retirement savings plan contributions, automated teller transactions, night deposits, and mail deposits
• Resolve problems or discrepancies concerning customers' accounts
• Engage each customer in-person and by phone to understand customer needs and provide product and service recommendations to assist customers in achieving their financial goals
• Knowledgeable and proficient in the account opening process for all deposit, credit, and certificate accounts, including, but no limited to: checking, savings, money market, business accounts, overdraft, loans, and credit cards.
• Compose, type, and mail customer correspondence; including, but not limited to: certificate maturity notices, notices related to issues such as discrepancies, and outstanding unpaid items 
• Analyze applicants’ financial status and credit to determine feasibility of opening new accounts and loans
• Enter new and closed account reports for incentive compensation programs on a daily basis
• Proactively cross-sell additional products through referrals and outbound calling with the goal of building rapport and life-long relationships with Bank customers.
• Maximizes marketing efforts to gain new customer relationships through outbound calling efforts, prospective referrals, and community involvement

Transaction Processing

• Accurately enter customers' transactions into computer to record transactions and issues computer-generated receipts
• Cash checks and pay out monies after verifying signatures/endorsements are correct, written and numerical amounts agree, and accounts have sufficient funds
• Balance/count currency, coin, and checks in cash drawers by hand or using currency-counting machine, and calculate daily transactions using computers, calculators, or adding machines
• Monitor bank vaults and ATMs to ensure cash balances are correct. Order a supply of cash to meet daily needs

Credit & Lending Solutions

• Develop an in-depth understanding of all credit products and the ability to explain to customers the different types of loans and credit options that are available, as well as the terms on those services

Mentorship & Coaching

• Identify transaction mistakes when debits and credits do not balance
• Actively participate in Teller interactions with customers and coaches, as needed, to identify sales, service, and referral opportunities

ADDITIONAL RESPONSIBLITIES

• Perform other related duties and responsibilities as assigned by management.

Requirements

EDUCATION & EXPERIENCE

• Associates degree required or equivalent work experience
• Minimum of one (1) year of experience in similar job duties