Relationship Banker -Christiansburg

Job Description

First Bank and Trust is seeking a Relationship Banker in Christiansburg, VA to join our team. The Relationship Bankers at First Bank and Trust are the primary contact for our customers. Relationship Bankers provide our customers with superior and quality customer service. These individuals promote the Bank’s products and services and provide customer referrals for new products and services on a daily basis. Relationship Bankers work as Tellers, Customer Service Representative and provide E-Commerce support.

For more information go to www.firstbank.com/about/join-our-team

ESSENTIAL DUTIES AND RESPONSIBILITIES:

• Greeting customers warmly and professionally, creating a welcoming atmosphere in the branch.
• Assisting customers with account openings, closures, and maintenance, ensuring accuracy and adherence to banking policies.
• Conducting cash and non-cash transactions, including deposits, withdrawals, check cashing, and fund transfers.
• Balancing cash drawers and reconciling transactions at the end of each shift.
• Processing loan payments, credit card advances, and other financial transactions.
• Identifying customer financial needs through comprehensive profiling and active listening.
• Identifying opportunities to cross-sell bank products and services to customers.
• Resolving customer inquiries, concerns, or complaints promptly and effectively.
• Collaborating with team members to meet customer service and operational goals.
• Staying updated on banking regulations, product changes, and industry trends to provide accurate and up-to-date information to customers.
• Ensuring compliance with all banking policies, procedures, and regulations.
• Assisting customers with account inquiries, resolving issues, and providing information on banking products and services.
• Responding to customer inquiries in person, over the phone, or via email.
• Ensuring compliance with all banking policies, procedures, and regulations.
• Maintaining a clean and organized work area for efficient customer service.
• All other duties as assigned.
  
  

MINIMUM EDUCATION AND EXPERIENCE:

• High school diploma or equivalent - required.
• Associate's degree - Accounting, Business, Finance, Communications and/or Marketing - preferred.
• Three or more years of customer service experience - preferred.
  
  

MINIMUM SKILLS AND ABILITIES:

• Strong listening, written and verbal communication skills.
• Leadership and interpersonal skills
• Ability to handle confidential information.
• Working knowledge of Word and Excel
• Excellent networking skills
• Detail oriented and organized.
• Professional
  
  

ESSENTIAL DUTIES AND RESPONSIBILITIES:

• Develop and maintain a profitable commercial loan portfolio.
• Interview applicants to develop credit and financial information to determine if a loan is an acceptable risk.
• Assists with implementing the bank’s business plan and keeping management apprised of internal resources, market conditions and competitive pressures.
• Consult with customers to provide financial advice and obtain current credit and financial information as needed.
• Identifies and explores business development opportunities within the community.
• Work to attract new loan and business customers.
• Represent the bank in the community to develop business and promote FB&T products and services.
• Prepare and present loan requests to the loan committee for approval.
• Manage loan portfolio relating to maintenance, modifications, and renewals on existing credits.
• Monitors the asset quality of the commercial loan portfolio including authorizing credit and maintaining appropriate underwriting standards.
• Adheres to regulatory compliance, governing documentation, record keeping, origination, collection laws and regulatory reports.
• Cross sells bank products and services.
• Correspond with loan processors, underwriters, and credit analysts.
  
  

BENEFITS:

• Medical, Dental and Vision Insurance
• 401K/ESOP Plan
• Life Insurance
• Flexible Spending Dependent Account
• Long Term Disability Insurance
• Group Policies (Accident, Hospital & Critical Illness)
• AFLAC Individual Policies (Short Term Disability & Cancer)
• Leave – PTO, Marriage, and Bereavement
  
  

MINIMUM EDUCATION AND EXPERIENCE:

• Work Experience may be considered in lieu of a bachelor’s degree
• Five years of experience in a financial institution, loan department, or similar area.
• Extensive knowledge of lending services and related areas
• Good managerial, communication, and public relationship skills
• Ability to general new clients through business development activities
  
  

The First Bank and Trust five core values are (1) High Quality Customer Service (2) Motivated Employees (3) Profits (4) Honesty and (5) Enjoyment

First Bank and Trust is an Equal Opportunity Employer EOE/AA/M/F/Disabled/Veteran