What are the responsibilities and job description for the Relationship Banker III position at Field & Main Bank?
Relationship Banker III
DEPARTMENT: Retail Department
REPORTS TO: Assistant Banking Center Manager/Banking Center Manager
SUPERVISES: None
FLSA: Non – Exempt STATUS: Full Time
EEO Classification: 5 Administrative Support Workers
JOB GRADE: E
HOURS: Regular full-time 40 hours. Saturday rotation required.
SUMMARY: Opens a variety of new retail and commercial accounts, as well as providing basic cash receipt and payment services to customers in accordance with financial institution procedures, opening new accounts, establishing direct deposit accounts, opening retirement accounts and assisting customers with inquiries concerning products and services. Responsible for the development of new business relationships and maintaining existing relationships. Special emphasis is placed on competently knowing and understanding retail, loan, electronic banking, trust and investments services. Confidently answers questions on all services the financial institution provides and recognizes selling and referral opportunities. Works a cash drawer on a daily basis. May serve as a relationship banker lead, working under limited supervision, assist with work flow to ensure other Relationship Bankers are successful, consistently balance their cash daily, have great rapport with people, and enjoy helping others while maintaining ethics, integrity, and embracing diversity. This position will be responsible for weekly scheduling and providing basic cash receipt and payment services to customers in accordance with financial institution procedures. Responsible for cash vaults under dual control.
EDUCATION & EXPERIENCE:
- Required: High School Graduate or the equivalent with post-secondary education (i.e. College courses or Business School courses, AIB courses) or demonstrated equivalent in work experience.
- Desired: Associates degree in Business related field or Retail Banking School, or AIB Graduate School of Banking.
- Minimum of one (1) year experience with opening retail accounts.
- Minimum of one (1) year experience in the teller function with a thorough knowledge of all teller functions.
- Knowledge of deposit compliance
- Vault experience; handle a large sum of cash, daily balancing of the vault and maintain cash on reserve at a reasonable amount
- Attend new account training for retail and commercial accounts
- Attend IRA seminar(s)
- Attend and complete Field & Main University courses
- Two (2) or more years in a sales environment preferred; experience in financial industry a plus.
ESSENTIAL DUTIES & RESPONSIBILITIES:
- Reasonable accommodations may be made to enable individuals with disabilities to perform the essential functions.
- Promotes excellent customer service, by consistently providing premier customer satisfaction with a friendly demeanor, can-do attitude, and willingness to help at all times
- This position will be an expert in all aspects of providing exemplary customer service and assisting customers with any type of transaction, inquiry, or problem resolution
- Provide a customer experience that is consistent across all customer touch points that provides a differentiated experience from other providers in the marketplace
- Develop and maintain strong working relationships with other employees in order to collaborate in delivering the right financial solutions for the customer
- Maintain a well-developed working knowledge of the complete line of products and services offered
- Actively refer business to internal business partners
- Open a full range of consumer and business retail products
- Open Certificates of Deposit and a variety of IRA products
- Participate in on-going and intense training programs in sales, service, and products to continually enhance knowledge and skills in order to understand the customers’ needs and convert service opportunities into sales events
- Profile customers in order to better understand the customer’s financial needs and offer the appropriate products
- Carries out the financial institution’s client retention strategies by proactively & efficiently utilizing Relationship Pricing
- Actively work to ensure attainment of banking center and individual sales goals and objectives
- Participate in various professional associations and community activities to enhance the banks visibility and to further personal development
- Follow all company policies and procedures
- Knowledge of various federal regulations including Bank Secrecy Act, Community Reinvestment Act, Americans with Disabilities Act, Right to Financial Privacy Act, Gramm-Leach-Bliley Act, Regulation E
- Keep up to date on security controls to protect the office/bank against criminal and fraudulent activities and unnecessary risk and exposure
- Ability to use sound judgment & make on-the-spot decisions regarding customer transactions, weighing customer satisfaction issues with Bank exposure to loss or fraud.
- Proficient in the banks software used to print instant issue debit cards
- Interact with consumers using the chat feature answering questions and providing solutions in a professional manner
- Open and close the branch office by following established security procedures
- Live and represent the Field & Main culture and brand
- Perform special projects and administrative assignments as requested by Banking Center Manager and/or Market President
- Serves as a liaison between Relationship Bankers I & IIs and the Assistant Banking Center Manager/Banking Center Manager
- Perform related duties as assigned by supervisor
ADDITIONAL DUTIES SERVING AS RELATIONSHIP BANKER LEAD:
- Maintains cash vault(s) under dual control
- Orders currency/coin weekly as needed
- Prepares shipment weekly as needed
- Maintains cash reserve within the set limits (see cash management policy)
- Balances vault(s) daily under dual control
- Prepares weekly attendance schedule
- Manages daily operations including: coaching staff on customer service, bank regulations, and referral opportunities
- Provides guidance in complex customer transactions, including customer disputes
COMPETENCIES: To be successful in this position, an individual should possess and demonstrate the following competencies to perform the essential functions of this position.
- Computer Skills - Strong working knowledge of computer functions. Proficient in keyboarding. Ability to learn new technical skills and commitment to pursuing continuing education opportunities to advance technical skills.
- Initiative - Ability to determine a correct course of action based on knowledge, policies, and sound judgment. Takes proactive steps to accomplish tasks without specific direction. Seeks out and takes responsibility for additional work assessments. Seeks out new learning opportunities. Keeps supervisor informed on status of incomplete tasks. Ability to consistently make correct decisions based on sound judgment, job knowledge, job experience and job training. Willingness to take responsibility for decisions. Keeps supervisor informed of decision and reason and base for the decision.
- Follow-Up - Completes assignments and tasks willingly, promptly, and efficiently. Responds with a sense of urgency to requests from customers, co-workers and /or supervisor. Keeps supervisor informed of status of completed tasks.
- Communication Skills - Relates positively to customers, co-workers, and supervisors. Consistently keeps supervisor informed. Consistently demonstrates appropriate use language expected in a professional work environment. Considerate and respectful of customers, co-workers, and supervisors by tone, volume and mannerism used in communicating. Expresses thoughts clearly and proficiently in written and oral form. Maintains confidentially in all bank and customer related manners.
- Interpersonal Relationship Skills -Works well with and along co-workers conveying thoughts, actions and actions in a positive manner. Supports, accepts, and understands management and company directives and works to help achieve individual, departmental and company objectives and goals with positive behavior. Consistently displays a willingness to cooperate. Receptive to suggestions for improvement. Strong sense of business propriety and decorum. Interacts and communicates with individuals at all levels of the organization. Dependable, consistently at work and on time, follows instructions, responds to management directions and solicits feedback to improve performance.
- Time Management - Ability to consistently display a sense of urgency in completing tasks and servicing customer’s needs. Ability to maintain accuracy and quality and of work as quantity of work increases. Individual organizes, prioritizes, and plans work activities and use of time efficiently. Effectively prioritizes duties and develops a system that triggers action in own workflow. Possess ability to realize urgent nature of tasks assigned. Effectively uses the proper resources to maintain an organized, neat and efficient work environment necessary for completion of duties in a timely manner. Demonstrates accuracy and thoroughness and monitors own work to ensure quality and quantity of work. Takes time to verify work and promptly correct errors. Maintains all the required and appropriate records necessary in the job.
- Adherence to Policies & Procedures - Understand s the importance of adherence to bank policies in job related functions, employee and banking issues. Maintains confidentiality of employee, customer and bank information within and outside of the company. Actions and behaviors reflect positively on the company. Maintains highest level of honesty in handling customer, employee and bank information.
ADA REQUIREMENTS: Work is performed in an open office setting; one must be able to concentrate and perform work in an area that will likely result in the interruptions of one's duties. Ability to stand for long periods of time. May be required to lift items weighing up to 25-70 lbs.
This job description may not be all-inclusive. Employees are expected to perform other duties as assigned or directed by management. Job descriptions and duties may be modified when deemed appropriate by management.
REV. 01/16/2024 TRV EOE/ Minorities/Women/Vets/Disabled
