Relationship Banker

NBT Bank•Dover Plains, NY

1d•Onsite

About The Position

The Relationship Banker delivers high-quality customer service and responsiveness, providing consultative service to ensure both internal and external customer needs are met. This individual is responsible for the efficient and timely processing of moderate to complex transactions and other services accurately in accordance with policy and procedures. They will also handle the accurate and efficient opening and processing of all new deposit account types and consumer lending transactions. A key part of the role is to educate customers and refer and cross-sell appropriate products and services that meet customer needs, through in-person or telephone interactions. The position requires gaining full knowledge of consumer lending in preparation for NMLS Certification under the S. A. F. E. Act of 2008.

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 and/or information using certain criteria and being able to resolve issues and problems
Ability to approach, identify, and have in-depth conversations with customers and identify needs and opportunities
Organizational, interpersonal and customer relations skills which also includes problem solving and decision making skills
Ability to function in a fast paced, ever-changing environment
Ability to work well with people as a team
Proficient computer skills
Gain a full knowledge of consumer lending in preparation for NMLS Certification under the terms of the S. A. F. E. Act of 2008 and become familiar with requirements for approval.

Nice To Haves

Minimum one year experience in related banking positions
Previous customer service, sales and consumer lending experience
Ability to obtain NMLS Certification

Responsibilities

Processes daily transactions and associated general customer and account servicing duties with a high level of accuracy and efficiency, including routine and non-routine teller transactions in accordance with policy and procedures.
Performs various administrative duties as assigned, including maintaining records, preparing a variety of forms, reports, daily vault balancing, and completion of the branch audit.
Adheres to security measures and controls to minimize any potential losses to the company.
May have the authority to provide any necessary system overrides as required at the discretion of the Branch and Market Manager.
Provides a consultative customer service approach to ensure a clear understanding of customer needs versus wants to be able to deliver viable solutions for the customer.
Engages in referral and relationship management in accordance with established objectives and goals.
Provides services to customers, including all types of deposit account opening, consumer lending transactions, and referring customers to the appropriate business partners when necessary.
Has a working knowledge of lending, including the ability to discuss credit reports, credit scores, etc.
Conducts sales and service calls to existing and potential customers to ensure existing customer needs are met and to prospect new sales leads.
Takes ownership to resolve customer issues and complaints while delivering a high level of responsiveness.
Ensures fulfillment and customer satisfaction through direct personal action and enlists additional support to handle the customer's need in a timely manner.
Participates in community events that support efforts with the Community Reinvestment Act CRA.
Performs other duties as assigned, which may include providing guidance and conducting training for other employees.

Benefits

Generous Paid Time Off: At least 22 days annually, prorated in the year of hire (for Full-Time Employees)
Parental Leave: Six weeks of paid leave at 100% of your salary (for Full-Time Employees and Part-Time Employees Working 20+ Hours/Week)
Comprehensive Medical Coverage: Includes employer contributions to HSA for High Deductible Health Plan participants (for Full-Time Employees and Part-Time Employees Working 20+ Hours/Week)
Dental and Vision Coverage: Ensuring your overall health and well-being (for Full-Time Employees and Part-Time Employees Working 20+ Hours/Week)
Flexible Spending Accounts: For healthcare and dependent care expenses (for Full-Time Employees)
Employer-Paid Disability Coverage: Both short-term and long-term, with an option to purchase additional long-term coverage (for Full-Time Employees)
Life Insurance: Employer-paid basic life insurance, with an option to purchase supplemental coverage (for Full-Time Employees)
Voluntary Benefits: Including hospital, accident, and critical illness coverage (for Full-Time Employees and Part-Time Employees Working 20+ Hours/Week)
Retirement Plans: Benefit from a 401(k) plan with employer matching, an optional Roth 401(k), and a pension plan to help secure your future (for Full-Time Employees and All Part-Time Employees who work at least 1,000 hours in a calendar year)
Adoption Assistance: Supporting your growing family (for Full-Time Employees)
Tuition Reimbursement: Invest in your education and career growth (for Full-Time Employees)
Employee Assistance Program (EAP): Access to support and resources (for Full-Time Employees and All Part-Time Employees)
Pet Insurance: For all your furry friends (for Full-Time Employees)
Financial and Banking Services: Various banking services benefits and financial planning assistance (for Full-Time Employees and All Part-Time Employees)
Paid Sick and Safe Leave: For your health and safety (for All Part-Time Employees)
Competitive salary, bonuses and a wide range of benefits for eligible employees