POSITION SUMMARY:
The Relationship Banker is responsible for growing and deepening customer relationships through proactive outreach, consultative sales conversations, and exceptional service. This individual serves as a trusted financial partner, helping customers achieve their financial goals by identifying needs and recommending appropriate banking products and solutions.
Success in this role requires strong relationship-building skills, a passion for helping customers, and a commitment to generating new business opportunities through referrals, networking, and community involvement.
ESSENTIAL FUNCTIONS AND RESPONSIBILITIES:
- Relationship Development & Business Growth
- Develop and maintain long-term relationships with consumer and small business customers.
- Conduct proactive outreach to strengthen customer relationships and identify opportunities.
- Grow deposits by recommending products and services that meet customer needs.
- Generate referrals to commercial banking, commercial lending, and treasury management.
- Participate in community events, networking opportunities, and business development activities to promote the bank and generate new relationships.
- Establish and maintain a pipeline of prospects and referral opportunities.
Sales & Financial Conversations
- Conduct comprehensive financial conversations to understand customer goals and banking needs.
- Recommend appropriate deposit accounts, digital banking services, and other financial solutions.
- Consistently achieve or exceed individual sales, referral, and relationship growth goals.
- Identify opportunities to consolidate customer relationships with the bank.
Account Opening & Onboarding
- Open and service consumer and small business deposit accounts.
- Ensure a smooth onboarding experience for new customers.
- Assist customers with digital banking enrollment and adoption.
- Maintain complete and accurate account documentation in accordance with bank policies and regulatory requirements.
Customer Experience
- Deliver an exceptional customer experience during every interaction.
- Resolve customer concerns promptly and professionally.
- Serve as a trusted advisor and primary point of contact for banking needs.
- Anticipate customer needs and provide proactive solutions.
Compliance & Risk Management
- Adhere to all bank policies, procedures, and regulatory requirements.
- Maintain knowledge of BSA/AML, CIP, OFAC, Regulation CC, and other applicable regulations.
- Ensure all account documentation is complete and accurate.
- Protect customer confidentiality and information security.
Qualifications
- High school diploma or equivalent.
- Minimum 2 years of experience in banking, financial services, sales, or relationship management.
- Demonstrated success in sales, business development, or relationship-building roles.
- Strong communication, networking, and interpersonal skills.
- Experience opening consumer and business accounts.
- Knowledge of deposit products and digital banking services.
- Experience working in a retail banking environment.
- Ability to work independently and as part of a team.
Key Performance Indicators
- New household acquisition
- Deposit growth
- Customer retention
- Proactive outbound calling, attending networking functions, and volunteering at community events.
- Adherence to bank policies, procedures, and regulatory requirements.
- Accuracy and completeness of account documentation
Benefits:
- 401(k)
- 401(k) matching
- Dental insurance
- Flexible spending account
- Health insurance
- Life insurance
- Paid time off
- Vision insurance
Schedule:
- Monday to Friday