Relationship Banker

Relationship Banker

The Relationship Banker develops and cultivates long-term client relationships by providing insight, advice, and personalized financial solutions for their clients. Relationship Bankers are responsible for retaining and deepening existing client relationships through cross-selling, establishing new banking relationships, referring clients to product partners (e.g., Mortgage, Investments, Small Business, Treasury Management, Merchant Services, Private Banking, Wealth Management, Commercial), educating clients on digital solutions, providing account servicing and maintenance, effectively resolving client servicing issues, and processing.

Relationship Bankers are active in their communities through outreach efforts and through service with community organizations.

Salary Range : $17.00 / hr. - $27.50 / hr.

Key Accountabilities :

• Develop and grow client and prospective client relationships
• Consults with clients / prospective clients over the lifecycle of the relationship to uncover needs, educate, and advise on product and service alternatives that align with the client's financial objectives.
• Cross sells products and services and refers to business product partners to ensure client needs are met.
• Maintains contact with client base through periodic proactive touch points (on-boarding, service follow up, etc.)
• Achieve Sales and Service Targets
• Markets a full range of consumer and small business banking services to existing and prospective clients through proactive techniques such as lobby engagement, outbound telephone calls, marketing campaigns, or in-house events; may occasionally participate in outside sales calls.
• Maintains well-developed knowledge of all products and services and effectively applies that knowledge to understand and fulfill client needs.
• Proactively seeks coaching to develop service and sales skills; shares knowledge and best practices to enhance the team's skills and performance.
• Operations Oversight
• Proactively resolves moderate to complex customer maintenance and / or client service problems using available resources for problem resolution, including analysis and understanding of information received from other internal departments such as Loan Operations, Deposit Operations, Internal Bank Support, Reconcilement, Risk Management, etc.
• Maintains and demonstrates in-depth knowledge of the different banking channels and educates clients on emerging technology and digital solutions including mobile, online, and ATM offerings to enhance their service experience.
• Executes all sales, service, and banking transactions accurately and in compliance with bank policies, procedures, and regulatory requirements.
• Follows all fraud prevention procedures and attends training to stay up-to-date on evolving fraud tactics.

Key Competencies for Position :

Key Measures of Success / Key Deliverables :

Position Levels :

There are two levels of Relationship Banker, depending on banking experience including client service, deposit, and lending experience. Bankers must demonstrate completion of required training programs, licensing or specialized training, and acceptable performance to goals to be considered for further advancement. Licensing or registrations must be maintained current and in good standing in accordance with program guidelines. Positions may be based at a specific banking center or be a "Market" position that supports all banking centers in a defined market.

Relationship Banker Demonstrates ability to handle all transactions, servicing needs and inquiries upon completion of required training. Must achieve account opening goals, partner referrals, lending and credit card goals along with completing quality Client Financial Profiles.

Qualifications and Education Requirements :