Relationship Banking Officer (Finance)
SUMMARY :
The Relationship Banking Officer plays a key role in managing customer relationships, providing tailored financial solutions, and promoting the Carter Bank's wide range of products and services. This role involves working with both personal and small business customers to help them achieve their financial goals while supporting the bank's growth and profitability objectives.
ESSENTIAL JOB FUNCTIONS :
- Develop and maintain strong, long-term relationships with new and existing customers
- Serve as the primary point of contact for customers and manage assigned customer portfolio by meeting with them to build lasting relationships, discover financial needs, and tailor product and service recommendations
- Provide customized financial solutions based on the customers' individual and business needs
- Meet or exceed sales goals by identifying customer needs and offering appropriate bank products and services
- Generate new business through referrals, networking, and community engagement activities
- Assist customers with the loan application process, including personal loans, auto loans, home equity lines of credit (HELOCS), and small business loans
- Evaluate customers' financial information to determine suitable lending options and ensure compliance with lending criteria
- Work closely with the underwriting team to facilitate loan approval and processing
- Resolve customer inquiries and issues efficiently, ensuring a high level of customer satisfaction
- Assist customers with account management tasks, including opening, closing, and maintaining accounts
- Adhere to policies, procedures, and regulatory banking requirements
- Deliver exceptional customer experience by acting with a customer-first attitude
- Operate within established risk parameters/tolerances and meet internal/external risk and compliance obligations, including completion of required training
- Engage and partner with team members and other lines of business to offer most appropriate products
- Maintain a strong knowledge of all bank products, services, procedures, policies
- Proactively resolve customer complaints, problems, or other issues
JOB REQUIREMENTS :
- High school diploma or equivalent required; Bachelor's degree in business, finance, accounting, equivalent field or equivalent work experience preferred
- Successful customer service and/or sales experience required
- Customer portfolio management and/or customer account management experience a plus
KNOWLEDGE/SKILLS REQUIRED :
- Excellent customer service skills
- Strong relationship building skills
- Ability to motivate, influence, and collaborate with others
- Strong verbal and written communication skills
- Understanding of traditional banking products and services
- Confidence, attention to detail, and a sales aptitude
- Proficient computer skills
- Proactive with the ability to adapt to changing priorities
- Working knowledge of system functionality and workflows for the systems utilized in Retail Banking
PHYSICAL AND MENTAL QUALIFICATIONS :
- Standing, walking, bending and stooping required
- Must be able to sit at a desk for long periods of time and use a computer
- Must be able to occasionally move or lift up to 10 pounds
- May be asked to work supplemental hours periodically
- Limited travel required occasionally during and after business hours
The above statements are intended to describe the general nature and level of work being performed by the incumbent assigned to this classification. They are not intended to be construed as an exhaustive list of all responsibilities, duties, and/or skills required of all personnel so classified.
NOT A CONTRACT
