Consumer Banking Relationship Manager

Bangor Savings Bank•Bangor, ME

1d•$49,495 - $99,000•Onsite

About The Position

Reporting to the Branch Manager, the Relationship Manager’s primary responsibility is branch sales growth and customer development. The RM supports the Bank’s mission to be the preferred financial institution in Maine by taking responsibility for consumer and Maine Street business sales production. Sales functions include business development activities and building of bank advocacy networks. The RM actively develops and manages a book of clients who require more personal attention and have complex borrowing and financial needs. The RM will work closely to coordinate with line of business partners to provide appropriate resources for clients and prospects. The RM is also responsible for providing platform coverage and assisting with operational risk management and coaching within the branch as necessary to support the branch. The RM supports the BSB mission to be the employer of choice by contributing to a great working environment. Finally, the RM supports the BSB mission of investing strategically in Maine communities by supporting coordinated market outreach and business development efforts.

Requirements

High school diploma or equivalent required
Two years experience in sales, retail banking, lending, customer service and/or operations
Demonstrated advanced lending proficiency
Demonstrated personal computer literacy

Nice To Haves

college, business, banking or professional training helpful

Responsibilities

Promotes a customer-centered culture and attitude among staff
Builds relationships by providing the highest level of service, demonstrating You Matter More to each customer, getting to know customers on an individual basis
Engages in conversations and demonstrates advanced consultative sales skills to understand customer needs and financial goals, offers solutions as appropriate or refers to other team members in accordance with Bank strategy
Understands the Bank’s products and services and how they benefit customers, promoting as appropriate
Embraces and utilizes the Bank’s sales and coaching process, completes action plans in an effort to meet goals
Responsible for achievement of branch production goals including deposits, various loan categories, business line referrals and other business development goals
Leads proactive branch efforts through outside calling with customers, prospects and advocates in an effort to establish new banking relationships for consumers and Maine Street businesses in the branch geography
Works closely with business line partners including Commercial Banking, Wealth Management, Treasury and Payment Services, Business Banking, Payroll and Merchant services to provide appropriate levels of expertise and support
Assumes key role in building and fostering external bank advocacy network by becoming involved in various civic/charitable organizations, BSB sponsored events, boards, etc
Serves as a role model, coach and sales resource to all team members as well as line of business partners
Serves as an external branch sales and service contact by opening larger and/or more complex consumer and Maine Street business deposit relationships
Originates a significant volume of potentially complex consumer and Maine Street business loan requests in compliance with Bank policies and procedures
Develops and actively pursues new lending and deposit sales growth opportunities
Provides customers with information on products and services, rates, service charges and fees as well as other relevant information
Maintains a high level of knowledge on all deposit products and services as well as all consumer and Maine Street business loan products
Understands business partner relationships and refers to other team members in accordance with Bank strategy
Demonstrates ability to handle routine and more complex service issues independently, refers customers to appropriate staff for advanced problem resolution
Researches and resolves problems either through direct action or referral to and follow up with other Bank resources
Answers written and telephone inquiries from customers concerning bank services
Coordinates and oversees the loan preparation process, working with Loan Originations and Credit Departments to ensure timely approvals and declines.
Obtains and analyzes all necessary financial and credit information
Maintains ongoing client communication to inform customers of application decisions, negotiate rates and terms, ensures that funds are disbursed and loans are properly documented.
Provides oversight of the loan documentation and delivery process including commitment letter preparation, negotiation, and acceptance; appraisal, environmental and legal documentation and review, and loan closing
Supports, mentors and coaches team members in their professional development
Creates and fosters a cohesive team and promotes a positive work environment
Develops a cooperative and collaborative working relationship with other departments and leaders in the company
Understands, demonstrates competency and maintains knowledge of the Bank’s operational and risk management policies as well as the Bank’s security policies and procedures, ensuring that staff members are knowledgeable of such
Assists in ensuring that the Bank is in compliance with local, state and federal regulations
Interacts harmoniously and effectively with others, focusing upon the attainment of bank goals and objectives through a commitment to teamwork
Conforms to acceptable punctuality/attendance/professionalism standards as expressed in the Employee Handbook
May train or assist in training new employees
Performs additional duties as requested
Travel to other branches for coverage may be required