Relationship Banker, MOD - St. Francis

Exchange Bank • Santa Rosa, CA

3d • $22 - $28 • Onsite

About The Position

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.

Requirements

• 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.
• National Mortgage Licensing System (NMLS) registration in accordance with the terms of the Safe Act of 2008.
• 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.

Responsibilities

• 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.
• Build upon the collective team knowledge and success by mentoring and coaching newer Relationship Bankers.
• 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.

Benefits

• Health, dental, and vision insurance Competitive medical plan options including traditional HMO, HDHP/HSA, and Point of Service medical plans.
• No-network dental and vision plans, and flexible spending account plans
• Company paid life insurance and long-term disability insurance
• Retirement plan options 401(k) plan: traditional and Roth savings options with company match, and an additional annual profit-sharing contribution opportunity.
• Paid time off and sick leave Robust package with vacation, sick time, holidays, and personal days.
• Tuition reimbursement
• Free checking and discounts on other available banking products Checking and savings accounts, safe deposit box, retirement planning assistance, Discounts on home and personal loansLoans are subject to credit approval. Fees, conditions, and restrictions may apply. Rates and programs subject to change.

What This Job Offers

• Job Type: Full-time
• Career Level: Mid Level
• Education Level: High school or GED