Relationship Banker

NBT Bancorp•Sidney, NY

About The Position

The Relationship Banker delivers responsive, high-quality consultative service to internal and external customers. The role processes moderate to complex transactions and services accurately and efficiently in accordance with policies and procedures, and opens and processes deposit accounts and consumer lending transactions. The Relationship Banker educates customers about products and services, makes appropriate referrals, and cross-sells solutions based on customer needs, both in person and by telephone. The position combines transaction processing, account servicing, consumer lending, relationship management, sales, and community involvement. It also includes administrative responsibilities, security and audit procedures, customer issue resolution, and, as assigned, guidance or training for other employees. The role participates in community activities supporting the Community Reinvestment Act (CRA). NBT describes a supportive culture, wellbeing initiatives, community involvement, career development, competitive compensation, and benefits. Full-time benefits include paid time off, parental leave, medical, dental and vision coverage, flexible spending accounts, disability and life insurance, retirement plans, adoption assistance, tuition reimbursement, an employee assistance program, pet insurance, and financial and banking services. Applicants must be authorized to work for any U.S. employer; visa sponsorship is not available.

Requirements

High school diploma or equivalent.
Proficient reading, writing, communication, and mathematical skills.
Basic knowledge of Decision Pro, loan-to-value and debt-to-income calculations, and reading credit reports.
Ability to identify and analyze situations or information using criteria and resolve issues and problems.
Ability to approach customers, conduct in-depth conversations, and identify needs and opportunities.
Organizational, interpersonal, customer relations, problem-solving, and decision-making skills.
Ability to function in a fast-paced, changing environment.
Ability to work well with people as part of a team.
Proficient computer skills.
Ability to gain full knowledge of consumer lending in preparation for NMLS Certification under the S.A.F.E. Act of 2008 and become familiar with approval requirements.
Applicants must be authorized to work for any employer in the United States; the employer cannot sponsor or assume sponsorship of an employment visa.

Nice To Haves

At least one year of experience in related banking positions.
Previous customer service, sales, and consumer lending experience.
Ability to obtain NMLS Certification; preferred but not required.

Responsibilities

Process routine and non-routine teller transactions and related customer and account servicing accurately and efficiently, following policies and procedures.
Perform administrative duties, including maintaining records, preparing forms and reports, daily vault balancing, and completing branch audits.
Follow security measures and controls to minimize potential company losses; provide system overrides when authorized at the discretion of the Branch and Market Manager.
Understand customers’ needs and wants and provide consultative service and viable solutions.
Manage referrals and customer relationships in line with established objectives and goals.
Open deposit accounts and process consumer lending transactions; refer customers to appropriate business partners when needed.
Maintain working knowledge of lending, including discussing credit reports and credit scores.
Conduct sales and service calls with existing and potential customers to meet needs and identify prospective sales leads.
Take ownership of customer issues and complaints, resolving them responsively and arranging additional support when needed to ensure timely fulfillment and satisfaction.
Participate in community events supporting CRA efforts.
Perform other assigned duties, which may include guiding and training other employees.

Benefits

At least 22 days of paid time off annually for full-time employees, prorated in the year of hire.
Six weeks of paid parental leave at 100% of salary.
Medical coverage, including employer HSA contributions for High Deductible Health Plan participants.
Dental and vision coverage.
Flexible spending accounts for healthcare and dependent care expenses.
Employer-paid short- and long-term disability coverage, with an option to purchase additional long-term coverage.
Employer-paid basic life insurance, with an option to purchase supplemental coverage.
Voluntary hospital, accident, and critical illness coverage.
401(k) plan with employer matching, optional Roth 401(k), and pension plan.
Adoption assistance.
Tuition reimbursement.
Employee Assistance Program (EAP).
Pet insurance.
Banking services benefits and financial planning assistance.
For part-time employees working 20 or more hours per week: medical coverage, dental and vision coverage, voluntary benefits, and six weeks of paid parental leave.
For all part-time employees: 401(k) with employer matching, optional Roth 401(k), and pension eligibility for those working at least 1,000 hours in a calendar year; paid sick and safe leave; EAP; banking services benefits; and financial planning assistance.
Wellness initiatives and flexible work arrangements are described as part of the company’s wellbeing offering.