Relationship Banker II | North Water​/Decatur

Position Summary

The Relationship Banker II combines expertise in customer service, sales, and operational management at an elevated skill level within the banking team. The Relationship Banker II is an advanced role within special re class, combining the responsibilities of a teller and a personal banker, with an emphasis on providing comprehensive financial services to customers. This role requires deeper knowledge and expertise in banking products, customer service, and operational processes.

The Relationship Banker II is expected to handle more complex transactions and provide guidance to less experienced staff, while continuing to build customer relationships and promote the bank’s services.

• Customer Service & Relationship Management
• Greet and engage customers in a friendly and professional manner, providing exceptional service to build lasting relationships.
• Serve as a trusted point of contact for customers, ensuring the highest level of service is provided.
• Develop and maintain strong customer relationships through personalized service and proactive outreach, assisting with both routine and complex banking needs.
• Provide guidance to customers on financial products and services that best meet their needs.

Sales & Cross-Selling

• Actively identify and promote all bank products and services.
• Ask clients targeted questions to learn about their financial needs and goals.
• Meet and exceed monthly sales and referral goals by engaging with customers to assess needs and recommend suitable banking solutions.
• Proactively seek opportunities to refer customers to other lines of business such as mortgage, wealth, treasury, commercial, etc.

Account Management and Support

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• Assist with account maintenance tasks, such as updating personal hool information, assisting with transfers, and processing check or orders.
• Support Caval customers with online and mobile reprehenderit services, ensuring they are comfortable and knowledgeable about digital banking tools.

Loan & Credit Processing

• Process and assist with customer loan applications, including personal loans and home equity lines of credit.
• Conduct initial loan screenings, gather necessary documentation, and work closely with loan officers or other departments to ensure a smooth loan approval process.
• Educate customers on loan products, eligibility requirements, and loan terms.

Transactions & Cash Handling

• Processirbhís transactions with a high degree of accuracy.
• Balance cash drawer and ensure transactions are accurately recorded and processed.

Compliance & Risk Management

• Ensure correspondent with all bank policies, procedures, and regulatory requirements, particularly in relation to financial transactions and customer interactions.

• Monitor and detect any suspicious or potentially fraudulent activity, escalating issues to management and other departments as appropriate.

• Adhere to privacy regulations and ensure customer data is handled securely and confidentially.

Team Support and Mentorship

• Assist newer staff by providing guidance on bank products, customer service skills, and operational procedures.
• Help foster a collaborative and positive work environment by sharing knowledge and assisting with day-to-day operational needs.

Branch Operations & Administrative Support

• Assist with daily branch operational tasks, including balancing cash, managing branch supplies, and supporting the opening and closing of the branch.
• Support branch leadership in maintaining branch confidentiality and ensuring operational efficiency.

Knowledge of:

• Strong sales and customer service skills
• Strong oral and written communication skills
• Basic math and accounting functions
• The basic tenets of lending and assessing a customer's financial needs

Ability to:

• Accurately count money
• Perform duties and make decisions under frequent/random time pressures
• Stand for extended periods of time
• Lift 50 pounds
• Explain products and services to current and potential customers
• In concert with Banking Center leadership and other LOB, participate in cross-selling

Education and Training:

• Requires a High School diploma.
• 2 years of banking…