Remote Banker I

• This role is on-site at our Meadow Brook Corporate office in Birmingham, Alabama***
  
  

Primary Purpose

As a Remote Banker, you will help clients achieve financial well-being through deep, meaningful customer relationships and a thoughtful understanding of the full spectrum of banking services to offer the best and most appropriate sales and service support in a remote environment via phone, email, text and video technology. This includes, but is not limited to, processing virtual transactions, placing customers in appropriate account and loan products, cross-selling other bank services and referring customers to other departments as appropriate. You will be responsible for analyzing, presenting, and promoting the digital channels to external and internal customers and partners. To succeed, you'll need to be a constant learner and evaluate all aspects of their position and the processes used for improvement and simplification.

Essential Job Duties

• Prepare a strategic personalized financial approach to develop and expand each client relationship through advisory conversations to differentiate Cadence's customer experience as personalized banking for all.
• Systematically work an assigned portfolio of existing bank clients within a defined geography to uncover needs, develop profiles and sell additional appropriate deposit and loan products.
• Support the branches to be liaison for clients in both a virtual and physical setting.
• Leverage digital tools and technology to add value to your client relationships while also contributing to the overall improvement of bank processes as they relate to the digital channel.
• Responsible for managing the inbound call que for new and/or existing clients for new account inquiries. In addition, the online appointment setting tool is centrally managed by the Remote Banking Team, as well as inbound loan application requests.
• Initiate outbound calling efforts to existing business clients to determine if they have a need for additional services and educate the client on the benefits and features of the bank’s consumer banking products and services.
• Responsible for the set up of new accounts which were reviewed and approved by the Online Account Origination team.
• Drive financial conversations with clients and prospects to determine needs, provide appropriate solutions, and complete the opening or processing of bank products and transactions including; transfers, stop payments, loan payments, consumer checking and savings, business lines of credit, credit cards, lending products and much more.
• Identify referral opportunities to ensure full client relationships and add value catered to individual clients.
• Maintain and build relationships through proactive outreach, occasionally through non-financial conversation in a personal and welcoming way.
• Responsible for collaborating with small or large groups, both in person and digitally.
• Support the Branch Banking team through the execution of specific projects, or initiatives, at the request of the senior management team with the intent to retain and/or grow new households, or provide an exceptional customer experience.
• Responsible for being a subject matter expert on our online products, processes, and services. Must be willing and able to assist with training new teammates on the systems, processes, and procedures related to online account origination.
• Demonstrate strong problem resolution and customer service skills to provide an elevated ease of doing business and strong advocacy among the customer base.
• Maintain compliance with all bank regulations that apply to your position and stay current on regulation changes including Bank Secrecy Act, Regulation CC, Regulation E, Bank Security, and other regulations that apply to your position.
• Create a positive impact within the communities you serve by investing time in Community Reinvestment Act (CRA) activities and financial literacy initiatives.
• Understands that the Remote Banking team will continue to grow and the needs and/or responsibilities of members on the team will evolve accordingly.
• Occasional travel may be required.
  
  

Job Specifications

• High school diploma or equivalent required.
• Bachelor’s degree, Associates degree or equivalent work experience preferred.
• 1-2 years of banking or comparable experience with a track record of outstanding customer service preferred. Experience in digital delivery of customer sales and service is a plus.
• Ability to pay close attention to detail.
• Strong organizational skills with enhanced attention to detail and follow-through.
• Excellent written and verbal communication skills with the ability to solve problems and nurture client relationships even in contentious situations.
• Good understanding of Cadence's products and services.
• Ability to lift up to twenty-five (25) pounds.
• This position requires S.A.F.E. registration at the time of employment. The Nationwide Mortgage Licensing System (NMLS) web site (mortgage.nationwidelicensingsystem.org) can provide information about the requirements for registration.
  
  

Qualifications

Education

Required

High School

Bachelors or better

Equal Opportunity Employer/Protected Veterans/Individuals with Disabilities

The contractor will not discharge or in any other manner discriminate against employees or applicants because they have inquired about, discussed, or disclosed their own pay or the pay of another employee or applicant. However, employees who have access to the compensation information of other employees or applicants as a part of their essential job functions cannot disclose the pay of other employees or applicants to individuals who do not otherwise have access to compensation information, unless the disclosure is (a) in response to a formal complaint or charge, (b) in furtherance of an investigation, proceeding, hearing, or action, including an investigation conducted by the employer, or (c) consistent with the contractor’s legal duty to furnish information. 41 CFR 60-1.35(c)