Relationship Banking Specialist

Position: Relationship Banking Specialist I
Location: Lakeside

JOB SUMMARY: Accountable for providing client services by selling and cross-selling bank services, maintaining existing client relationships, and opening accounts in a timely accurate and courteous manner. Provide assistance to solve client problems. Serve as the initial and primary contract for consumer lending functions.

JOB SPECIFICATIONS:

Education:

High school graduate or equivalent

Experience:

One year of new accounts experience or equivalent client service and cash handling experience

ESSENTIAL FUNCTIONS:

Use software applications as requested by specific job functions

Use procedures and forms relating to the activities of the assigned work unit Perform various account transactions such as receiving deposits, verify cash and endorsements, ordering checks, processing wires, accepting loan payments, and selling cashier checks. Manage and balance cash within teller guidelines for position Assist with debit cards including ordering cards and researching transactions in core system Sell deposit services and cross-sell non-deposit services by maintaining a current knowledge of deposit and non-deposit services

Open new accounts, services, and products by identifying client and customer needs, completing supporting documentation, and following up on sales efforts

Receive and maintenance account holder information on computer system

Accept checks for cashing or paying; verify endorsements; identify clients and customers; insure validity of transactions. Verify new client information, including collectability of funds and client identity, background, and bank references to prevent bank losses

Develop new business by making telephone calls and typing letters to prospective customers and existing clients Assisting clients in various ways including reconciling accounts, researching problems and resolving complaints or requests. Consumer loans: interview clients, recommend products, facilitate the initial application, collect income verification, tax returns, proposed collateral and supporting documentation for analysis. Create complete loan package for review and approval of the Consumer Loan Manager.

Maintain contact with clients throughout the entire process. Assist clients with loan closing

Explain merchant service program to merchants and refer them to the Merchant Services Representative Refer to other departments such as lending, merchant services, wealth management and trust services as appropriate to meet client needs Teamwork:
Support co-workers whenever help is needed to provide the highest level of client service. Assist in completing department duties in a timely and efficient manner Be knowledgeable of bank compliance rules and adhere to Federal and State banking regulations relating to this position Be knowledgeable of, and adhere to, the Bank, State and Federal policies, procedures and regulations that pertain to the position Other duties as assigned to meet client and operational needs

SKILLS:

Ability to communicate in person, by email, and phone in an effective and professional manner

Competency with extensive face-to-face contact with clients Competency in providing exemplary client service in a professional manner

Ability to interpret bank policies and procedures to clients Ability to tolerate stress and deal with clients under circumstances requiring tact and diplomacy

Ability to handle large amounts of cash and make change

Competency in basic mathematical skills such as calculating interest and percentages

Ability to operate on-line teller terminal

Ability to sit or stand for extended periods of time

RELATIONSHIPS:

Responsible to the Branch Manager for the fulfillment of functions and responsibilities.

Contact clients and the public in a professional manner to enhance the overall marketing effort of the bank.

CORE BEHAVIORS for DELIVERING ON THE PROMISE:

Be Genuine. Conduct yourself in a consistent, honest and compassionate manner at all times.Work Ethic. Be willing to go the extra mile for the client, whether internal or external.Influence. Be an active player in participating, building and contributing to service.Continuous Learning. Commit to gaining knowledge, skills and experience on an ongoing…