Relationship Banker, Levels

Responsibilities

• Build relationships with customers through face-to-face engagement and provide financial counsel
• Assess and attend to customers' banking needs
• Obtain and process customer and account information
• Educate clients on deposit and loan products and services
• Recommend financial solutions based on customers' goals and needs
• Originate and close consumer loans
• Open accounts and open and/or close the branch
• Build and foster client relationships through proactive outreach and follow-up
• Identify solutions for new and existing clients
• Maintain knowledge of consumer and business banking products and services, including digital products
• Greet clients and process basic transactions
• Develop collaborative partnerships with branch team members and partners
• Open consumer and business accounts, complete service requests, and submit credit applications
• Educate clients on emerging and self-service digital products and services
• Leverage resources and technologies to optimize client experience and operational accuracy

• High school diploma or equivalent
• Relationship Banker 1:
  Typically has less than four years of job-related, retail banking experience or a combination of experience and commensurate training
• Relationship Banker 2:
  Typically has a minimum four to five years of job-related, retail banking experience or a combination of experience and commensurate training
• Senior Relationship Banker:
  Typically has five or more years of job-related, retail banking experience or a combination of experience and commensurate training
• NMLS registration under the terms of the S.A.F.E. Act of 2008 and Regulation Z
• Required registration process includes a criminal background and credit check
• Ability to build and foster relationships with clients through proactive outreach and follow up
• Ability to effectively engage and communicate with clients
• Knowledge of applicable bank and branch policies, procedures and support systems
• Customer service and interpersonal skills
• Experience using and demonstrating digital products and self-service technologies
• Ability to explore and identify customers' needs while leveraging a digital-first mindset
• Ability to make appropriate recommendations that meet customers' needs
• Applicants must comply with U.S. Bank policies and procedures, including the Code of Ethics and Business Conduct and workplace conduct and safety policies

Demonstrates expertise in building and fostering client relationships, providing financial counsel, and recommending tailored banking solutions. Proficient in utilizing digital products and self-service technologies to enhance customer experience and operational efficiency.

• Retail Banking Experience
• NMLS Registration
• Customer Service Skills
• Digital Product Knowledge
• Relationship Building

• Consumer Loan Origination
• Account Opening and Closing
• Financial Counseling
• Transaction Processing
• Credit Application Submission

• Interpersonal Skills
• Effective Communication
• Proactive Outreach

• NMLS Registration

• Bank Policies
• Branch Procedures
• Customer Needs Assessment
• Financial Solutions
• Code of Ethics

• Digital Banking Products
• Self-Service Technologies