Relationship Banker Job Description
Relationship Banker Duties & Responsibilities
To write an effective relationship banker job description, begin by listing detailed duties, responsibilities and expectations. We have included relationship banker job description templates that you can modify and use.
Sample responsibilities for this position include:
Relationship Banker Qualifications
Qualifications for a job description may include education, certification, and experience.
Licensing or Certifications for Relationship Banker
List any licenses or certifications required by the position: IRA
Education for Relationship Banker
Typically a job would require a certain level of education.
Employers hiring for the relationship banker job most commonly would prefer for their future employee to have a relevant degree such as High School and Associate Degree in Education, Military, Graduate, Business, Finance, General Education, Business/Administration, Business/Management, Management, Accounting
Skills for Relationship Banker
Desired skills for relationship banker include:
Desired experience for relationship banker includes:
Relationship Banker Examples
Relationship Banker Job Description
- Responsible for opening checking accounts, savings accounts, and provides all other deposit product services at the customer’s request
- Achieve quarterly/annual goals through business generation of C&I, CRE, mortgages, SBA, treasury management, deposits, investments, cross-border, and other commercial and consumer products offered through East West Bank
- Take an active role in educating customers on other banking channels sales and service offerings
- Ensure the customer's needs are met by partnering with the appropriate specialist (branch team, FC, and MLO) to serve the customer's banking, mortgage and investment needs
- Process Transactions/Customer Service
- Uses customer portfolio to gain customer background and uses data to recognize and follow up on existing and future needs
- Solicits cross-sales and opens new accounts according to guidelines
- Effectively utilizes various sales delivery channels in order to achieve goals
- Solicits loan applications, obtains appropriate documentation, follows up and closes loans accurately the first time
- Achieves overall individual deposit, loan unit, dollar, and non-interest income goals
- Minimum 1 year experience in a banking environment required
- Minimum 2 years of basic computer experience
- Must be in good standing under "The Secure and Fair Enforcement for Mortgage Licensing Act of 2008" (Safe Act) and must be registered/licensed with the "Nationwide Mortgage Licensing System and Registry"
- Achieves a minimum customer service score and adheres to the highest level of service standards
- Handles customer queries, special requests and problem resolution
- Handles fund transfers between accounts, overdrafts, stop payments, fee reversals
Relationship Banker Job Description
- Cross sell and refer bank products such as (depository products, wealth management, mortgage) that fit customers’ needs
- Maintain a thorough knowledge of the bank’s deposit, loan and ancillary products and an understanding of the qualifications required
- Engage and partner with team members and other lines of business to offer most appropriate products to customers based on customers’ need
- Responsible to share and recommend the banks full scope of resources with customers, including traditional in branch services, digital capabilities, and business partner resources
- Approves specific check amounts, wire transfers, cashier checks, uncollected funds, and insufficient funds based on credit authority limitations preset by management
- Audits cashier checks and traveler’s checks
- Balances and totals daily transactions when appropriate
- Engage and attend weekly partnership meetings and joint calls with Branch partners
- Identify opportunities to introduce customers to business partners when appropriate
- Responsible for growing the profitability, deepening relationships and retention within existing customer base through outbound initiatives , networking and in-person appointments
- All new hires must be available to attend a 2-week training program, Monday-Friday from 9 a.m.-4 p.m
- All new hires must complete at least a week of mentoring the third week
- Communicates an outgoing and friendly professional demeanor to customers and co-workers alike
- Minimum of 12 months of sales experience, where established goals were met or exceeded, is required
- Scope of Responsibility/ Decision Making
- Identify specific knowledge, skills, and abilities necessary for satisfactory execution of the position’s primary duties & responsibilities
Relationship Banker Job Description
- Consistently execute activities and behaviors to meet established sales, cross-sell and referral goals
- Monitor and manage accounts and relationships with new and existing customers
- Maintain operational standards including balancing cash drawers at the end of each shift, processing CTR reports and transactions, and opening and closing procedures of th branch
- Engages customers in needs assessment conversations that transitions to a closing product solution sale
- Creates an excellent customer experience by identifying cross-selling opportunities and refers customers to appropriate line-of-business partners to optimize their financial relationship
- Proactively works with customers and prospects to maintain a consistent deposit and loan pipeline
- Interviews consumer and small business loan applicants to identify loan opportunities
- Knows and follows Branch Operations Standards
- Proactively work existing book of branch clients
- Contributes to the banking center’s overall success by meeting defined targets for both sales and service
- Bilingual in Russian preferred
- Bachelors degree in business, finance or a related field - strongly desired
- Required at least 2+ years commercial lending, credit associated lending and bank sales experience
- Must have good interpersonal, oral and written communication skills needed to create relationships with loan clients
- Requires a Bachelors degree in business, finance or a related field and 2+ years commercial lending, credit associated lending and bank sales experience
- Proven track record in meeting and exceeding sales and service goals and initiatives
Relationship Banker Job Description
- Demonstrates in-depth knowledge of the different banking channels and promotes opportunities to introduce clients to these capabilities
- Proactively resolves a variety of 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
- Proactively seeks coaching to develop service and sales skills
- Executes all sales, service, and banking transactions accurately and in compliance with bank policies, procedures, and regulatory requirements
- May assist in mentoring and training of new associates
- May serve as back up to the Banking Center Manager or Assistant Manager to oversee daily branch operations such as opening/closing the branch, ensuring adherence to established bank policies and procedures, researching, and resolving customer issues
- Collaborate with Regional Manager and/or Branch Manager to develop and implement customer-centric strategic marketing plans
- Meets and exceeds individual performance sales goals while supporting the goals of the branch
- Proficient at interviewing consumer loan applicants, and may handle small business loan applicants to identify loan opportunities
- Ensure that individual goals are met through required levels of in person and outbound calling activities that provide an opportunity for us to share valued solutions and recommendations via a needs-based philosophy
- All relationship bankers must be certified in the requirements of the role
- Ability to communicate effectively and courteously, and to gain information from individuals/clients
- Ability to follow established standards and use judgment to determine when appropriate to escalate
- Aptitude for consultative selling
- Ability to adhere to company dress code
- Minimum 2 years of new accounts with a strong focus on business development experience required
Relationship Banker Job Description
- Uncover needs and refer customers to a partner centric team that works with small business, corporate and institutional partners, and mortgage and financial advisors
- Maintain a high level of client satisfaction by engaging our customers and ensuring we are providing an optimal customer experience
- NMLS registered or ability to obtain NMLS registration
- 1+ year of previous retail banking experience or 1+ year of equivalent finance, sales or customer service experience
- Proven track record of exceeding goal expectations by exemplifying appropriate behaviors and values
- 1 year 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
- Experience in developing and executing sales strategies, branch marketing and business development
- Understanding of various phases of sales management, including planning, goal setting and selling techniques
- Customizes individual branch plan to meet local market needs
- Bachelor’s degree in business-related major preferred
- Life, Health, Series 6/63 required
- Life, Health, Series 6/63 licenses required