Relationship Banker I - White Bear Lake, MN

U.S. Bank•White Bear Lake, MN

About The Position

Relationship Bankers build customer relationships through in-person, appointment-based, and virtual interactions, adapting a digital-first approach to provide appropriate financial guidance. They assess customers’ banking needs, obtain and process customer and account information, explain deposit and loan products and services, and recommend solutions suited to customers’ goals. The role includes proactive outreach and follow-up, maintaining knowledge of consumer and business banking products, providing an optimal client experience, processing basic transactions, opening accounts, completing service requests, and submitting credit applications. Relationship Bankers also educate clients about digital and self-service options, work collaboratively with branch colleagues, and use available resources and technology to serve clients accurately and efficiently. The position requires National Mortgage Licensing System (NMLS) registration under the S.A.F.E. Act of 2008 and Regulation Z. Registration includes criminal background and credit checks; failure to meet or maintain registration requirements may result in rescission of an offer or termination of employment.

Requirements

High school diploma or equivalent.
Typically less than four years of job-related retail banking experience, or a combination of experience and commensurate training.
Ability to comply with NMLS registration requirements, including required criminal background and credit checks.
Ability to comply with U.S. Bank policies and procedures, including its Code of Ethics and Business Conduct and related workplace conduct and safety policies.

Nice To Haves

Proven ability to build and foster client relationships through proactive outreach and follow-up.
Ability to engage and communicate effectively with clients.
Thorough knowledge of applicable bank and branch policies, procedures, and support systems.
Proven customer service and interpersonal skills.
Experience using and demonstrating digital products and self-service technologies.
Ability to explore and identify customers’ true needs while leveraging a digital-first mindset.
Basic proficiency in making appropriate recommendations that meet customers’ needs reactively and proactively.
Experience in the financial services industry.

Responsibilities

Build and foster client relationships through proactive outreach and follow-up, learning customers’ financial needs and banking channel preferences.
Engage and communicate effectively with clients to identify solutions for new and existing customers.
Assess customers’ banking needs, obtain and process customer and account information, and recommend suitable solutions.
Demonstrate and educate clients about available deposit and loan products and services.
Maintain working knowledge of consumer and business banking products and services, including digital products and services.
Provide a consistent client experience, including greeting clients and processing basic transactions.
Develop collaborative partnerships with branch team members and partners to serve clients.
Open new consumer and business accounts, complete service requests, and submit credit applications.
Educate clients proactively about emerging and self-service digital products and services.
Use available resources and technologies to optimize the client experience and serve clients accurately and operationally.
Obtain and maintain required NMLS registration.

Benefits

Healthcare, including medical, dental, and vision coverage.
Basic term and optional term life insurance.
Short-term and long-term disability coverage.
Pregnancy disability and parental leave.
401(k) and employer-funded retirement plan.
Paid vacation, from two to five weeks depending on salary grade and tenure.
Up to 11 paid holiday opportunities.
Adoption assistance.
Sick and Safe Leave accruals of one hour for every 30 hours worked, up to 80 hours per calendar year unless otherwise provided by law.
Incentive and recognition programs.
Equity stock purchase.
Pension.