Relationship Banker II-III MOD - Santa Rosa Main Office

Exchange Bank•Santa Rosa, CA

18h•$22 - $30•Onsite

About The Position

This position is scheduled 40 hours per week, Monday, Tuesday, Wednesday, Thursday, Friday from 8:30 to 5:30. The schedule is subject to change based on the business needs of the Bank. The Relationship Banker has a passion to do what is right for each customer and build long term customer relationships. They possess in-depth knowledge to make connections, discover needs, share recommendations and grow relationships. They are skilled at communicating with customers to discover unmentioned or unknown financial needs. Relationship Bankers retain and expand their book of business by deepening relationships through cross-sales and referrals. A Relationship Banker has a broad knowledge of Exchange Bank products and services and can perform both teller and platform transactions while leading advice-based conversations and providing a superior customer experience during every interaction. Relationship Bankers who serve as a "Manager on Duty" (MOD) are responsible for leading the branch in the absence of branch management. ESSENTIAL FUNCTIONS: Relationship Banker II – Manager on Duty Performs all duties of a Relationship Banker I with the addition of the following: Customer Experience: 20% Build upon the collective team knowledge and success by mentoring and coaching newer Relationship Bankers. Sales: 50% Identify and recommend consumer loan products through interviewing customer and understanding their needs. Provide and accept loan applications, including creating and forwarding packages to the Bank’s Consumer Lending Department. Ensure a positive total customer experience by taking them through the entire consumer loan process including signing loan documents, answering questions, and disbursing loans. Effectively manage a book of business. Operations Leadership: 20% Act as "manager on duty" in absence of branch management team by effectively balancing customer needs, sales efforts, regulatory requirements and sound operational practices. Demonstrate sound decision making by approving exception items and transactions; through the review of overdrawn accounts and determination on whether or not to pay items; and by identifying when situations require escalation or knowledge from an outside resource, and how to effectively access that resource to ensure a superior customer experience. Provide assistance and approvals on various transactions including cash overrides, wires, and over limit transactions. Perform operational functions including routine guide, overdraft decisions, payroll approvals, and callback. Provide guidance and help resolve more complex issues. Audit, correct, and update records, files authorizations, etc. held at branch. Cross-train employees on various positions and tasks within the branch. Provide input on recruitment, selection, training, and performance feedback for employees. Lead daily operational tasks ensuring they occur within required time frames. Non-Essential Functions: 10% Lead various operations, tasks, and special projects as needed. Relationship Banker III – Manager on Duty Performs all duties listed above with the addition of the following: Customer Experience: 10% Ensure an ongoing positive customer experience by partnering with the Branch Manager to actively support existing borrower relationships. Sales: 60% Identify and recommend small business loan products through interviewing and understanding the customer’s business needs. For loans up to $100,000, provide and accept loan applications including collecting financial documents from customer as needed. Provide guidance on more complex loan transactions. Provide consistent leadership and support of sales efforts through one-on-one coaching, branch huddles, and brainstorming creative solutions to customer needs. Partner with Branch Manager and the Business Banking Department to facilitate rate requests and approvals for your customer. Partner with the Branch Manager and other Calling Officers on outbound calls to prospective and existing customers. Provide support to Branch Managers on business borrowing relationships over $100,000 by gathering and providing necessary documentation. Conduct outbound calling efforts, including attendance at networking events.

Requirements

Decisiveness/Decision Making: Makes decisions authoritatively and wisely after adequately contemplating various available courses of action; considers alternative actions, resources, and constraints, and appropriately balances needs and desires before selecting method for accomplishing task or project.
Leadership: Influences or motivates others to work toward shared objectives that are in the best interests of the Bank; inspires others by example to perform to the highest standards; sets and/or involves others in setting goals that are challenging, realistic, and measurable.
Relationship Building / Networking: Gains trust and confidence through interactions with prospective and existing clients and personnel; focuses on cultivating relationships that are long-term and professional; builds relationships with a variety of people within the banking industry for the purpose of sharing information and/or resources.
Problem Solving: Develops actionable recommendations based on an understanding of trade-offs; commits to action after identifying alternative methods that are based on logical assumptions and information; takes into consideration resources, constraints, organizational values, and changing environments.
Teamwork: Works cooperatively with others as part of a formal or informal team to accomplish Bank goals; respects the needs and contributions of others; contributes to and accepts consensus; subordinate's own objectives to the Bank or team.
Thorough knowledge of equity and non-equity consumer loan product suite including lending requirements, loan process, and related software products.
Knowledge of business deposit accounts and services and ability to refer.
Full knowledge of branch operational procedures.
Full knowledge of applicable state and federal banking regulations and can instruct others to ensure overall branch compliance.
Demonstrates the knowledge, skills, and abilities listed above with the addition of the following:
Thorough knowledge of small business product suite including lending requirements, loan process, and loan submission requirements.
Full knowledge of all banking systems used in the branches and able to instruct others in the use of these systems.
Full Knowledge of applicable state and federal banking regulations and can instruct others to ensure overall branch compliance.
Ability to provide coaching and instruction to others on complex matters involving high levels of detail.
Ability to attend early morning and evening meetings and events.
National Mortgage Licensing System (NMLS) registration in accordance with the terms of the Safe Act of 2008.
Must maintain a valid CA driver’s license.
Ability to stand, bend, stoop, sit, walk, twist and turn.
Ability to lift up to 25 pounds occasionally (up to 50 pounds with assistance.)
Ability to use a computer, laptop, tablet, keyboard, smart phone and calculator.
A combination of education and experience equivalent to a high school diploma; and knowledge typically gained through a minimum one year of experience as a Relationship Banker.
Must successfully demonstrate thorough knowledge of Consumer Deposit and Lending products and Bank electronic products and delivery methods.
Must consistently meet or exceed sales goals.
Must successfully demonstrate knowledge of branch operational procedures.
A combination of education and experience equivalent to a high school diploma; and knowledge typically gained through a minimum two years’ experience as a Relationship Banker.
Must successfully demonstrate thorough knowledge of Small Business product suite and the ability to effectively coach others.

Responsibilities

Build upon the collective team knowledge and success by mentoring and coaching newer Relationship Bankers.
Identify and recommend consumer loan products through interviewing customer and understanding their needs.
Provide and accept loan applications, including creating and forwarding packages to the Bank’s Consumer Lending Department.
Ensure a positive total customer experience by taking them through the entire consumer loan process including signing loan documents, answering questions, and disbursing loans.
Effectively manage a book of business.
Act as "manager on duty" in absence of branch management team by effectively balancing customer needs, sales efforts, regulatory requirements and sound operational practices.
Demonstrate sound decision making by approving exception items and transactions; through the review of overdrawn accounts and determination on whether or not to pay items; and by identifying when situations require escalation or knowledge from an outside resource, and how to effectively access that resource to ensure a superior customer experience.
Provide assistance and approvals on various transactions including cash overrides, wires, and over limit transactions.
Perform operational functions including routine guide, overdraft decisions, payroll approvals, and callback.
Provide guidance and help resolve more complex issues.
Audit, correct, and update records, files authorizations, etc. held at branch.
Cross-train employees on various positions and tasks within the branch.
Provide input on recruitment, selection, training, and performance feedback for employees.
Lead daily operational tasks ensuring they occur within required time frames.
Lead various operations, tasks, and special projects as needed.
Ensure an ongoing positive customer experience by partnering with the Branch Manager to actively support existing borrower relationships.
Identify and recommend small business loan products through interviewing and understanding the customer’s business needs.
For loans up to $100,000, provide and accept loan applications including collecting financial documents from customer as needed.
Provide guidance on more complex loan transactions.
Provide consistent leadership and support of sales efforts through one-on-one coaching, branch huddles, and brainstorming creative solutions to customer needs.
Partner with Branch Manager and the Business Banking Department to facilitate rate requests and approvals for your customer.
Partner with the Branch Manager and other Calling Officers on outbound calls to prospective and existing customers.
Provide support to Branch Managers on business borrowing relationships over $100,000 by gathering and providing necessary documentation.
Conduct outbound calling efforts, including attendance at networking events.