What are the responsibilities and job description for the Relationship Banker - Waverly position at Truliant Federal Credit Union?
Truliant’s mission is to improve lives by putting our members first, providing great service and straightforward financial solutions. Our core values of Member Focus, Service, Guidance, Relationships, and Community define how we interact with members to fulfill our mission of improving lives and providing a foundation on which we conduct ourselves.
Our Promise to Our Teammates: Truliant strives to provide all teammates with an enjoyable place to work where they feel valued, empowered and rewarded for all that they do.
Purpose of the Job
The Relationship Banker is responsible for serving the financial needs of our member-owners accurately and efficiently, and developing a strong rapport with the member which supports the Credit Union's mission of enhancing our member-owners’ financial lives and becoming their preferred financial partner. This position performs tasks related to all facets of the Branch, which includes processing teller transactions, lending, account opening and account maintenance, opening savings & investment products, along with other account services. The Relationship Banker will assist members from the initial point of contact through the completion of their transaction or platform need. The duties that the Relationship Banker will perform each day will vary depending on the need of the member they are assisting and they will be responsible for seamlessly transitioning from the Teller line to the platform and back throughout each day.
Essential Functions and Responsibilities
- Engages members in conversation conducting quality guidance and credit reviews to uncover their financial needs and goals.
- Identifies quality referrals to other business units such as but not limited to: Business Services, Mortgage, and Truliant Financial Advisors.
- Accurately and efficiently processes account opening and maintenance, loan applications, and transactions for members to help them manage their finances.
- Ensures consistent adherence to Credit Union member service standards throughout every member-owner interaction, including providing first contact problem resolution.
- Maintains integrity and confidentiality when handling member’s accounts.
- Adheres to all Credit Union and security policies and procedures and assists Branch Manager to ensure that staff members apply appropriate skill in controlling loan and fraud losses.
- Performs all teller transactions as requested and has capability to balance CDMs, TCRs, ATMs and vault.
- Performs all member service operations, including new accounts opened for contact and initializing start of relationship building with knowledge, products and services that will benefit the member.
- Researches and resolves account issues, escalating for resolution as necessary.
- Provides information and processes deposit and loan solutions to member-owners, including mortgages, service agreements and insurance while reviewing credit needs for further loan opportunities to benefit the member.
- Processes Business Services requests accurately and efficiently including business service loan requests and processing.
- Manages loan and deposit pipeline to ensure timely follow-up and cultivates leads into successes.
- Understands IRA process and products offered. Opens and provides maintenance for all IRA accounts.
- Processes all loan requests and reviews credit needs for further loan opportunities to benefit the member.
- Processes and opens all specialty accounts.
- Makes outbound guidance calls to member owners.
- Represents the Credit Union by visitations to Business Partners and other Credit Union functions.
- Understands audit procedures and the importance of maintaining the integrity of audit guidelines.
- Proactively assists members by finding ways to make financial services more convenient for them. This includes educating members on the various technological tools available to them to improve their banking experience
- Contributes to the Branch’s plan to ensure achievement of goals and objectives, including but not limited to member service scores, loan production, deposit production, new member growth and partner lines of business referrals.
Other Duties and Responsibilities
- Assists with other tasks and projects as assigned.
Knowledge, Skills, and Abilities
- Must be flexible to assist members with various needs in different capacities throughout the day
- Must have sound understanding of standard concepts, practices, procedures, regulations and compliance within the financial services environment
- Must have superior interpersonal and coaching skills; ability to get along with diverse personalities; tactful, mature, flexible, compassionate
- Must have excellent communication skills in English, both verbal and written
- Must have good arithmetic skills
- Must have basic personal computer skills
- Must have knowledge of advanced products and services
- Must be proficient in-service recovery concepts as a vehicle to enhance member satisfaction
- Must understand basic concepts and principles of credit underwriting
- Must have Notary appointment, or attain Notary status within 3 months of hire
- Must be trained in Branch Lending
- Must have ability to understand all business processes within the credit union
- Must be detail oriented and well organized
- Must be able to work in a general office environment
- Must be flexible and able to shift resources and priorities as needed
- Must be able to complete all assignments with minimal supervision
- Should possess a strong commitment to providing excellent service to Truliant’s members
Physical Requirements
- Frequent standing, walking, and bending required
- Must be able to sit at a desk for moderate periods of time and use a computer
- Must be able to moderately lift or move up to 5 pounds and occasionally lift or move up to 10 pounds
Education and Background
- High School Diploma or equivalent required
- Strong interpersonal skills required
- College Degree preferred
- A minimum of 3 years related experience in the retail industry or financial services required
- Previous sales experience preferred
- Previous lending experience preferred
If you have a passion for member service and would like to invest in a meaningful career with opportunity for growth, we encourage you to apply to Truliant!
As a member of the Truliant family, you will enjoy the following full time benefits:
- No-cost employee Medical, dental, vision coverage
- Prescription benefits (including mail order)
- Paid holidays and Paid Time Off (PTO)
- 401(k) plan with contribution matching
- Paid community involvement volunteers hours
- Paid group life Insurance
- Teammate loan discounts
- Tuition reimbursement
- Short and long-term disability
- Health & Wellness program
- Teledoc (physician video conferencing)
- Onsite fitness facilities or health club reimbursement
- Employee Assistance Program (EAP)
- Medical flexible spending account
- Dependent care flexible spending account
