Relationship Banker

NBT Bancorp•Rochester, NY

22d

About The Position

The Relationship Banker delivers high-quality, responsive, consultative service to internal and external customers. The role processes moderate to complex transactions and services accurately and efficiently according to policies and procedures, and opens and processes deposit accounts and consumer lending transactions. The banker educates customers and refers or cross-sells suitable products and services, interacting with customers in person or by telephone. The position combines transaction processing and account servicing with customer relationship management, referrals, sales, and consumer lending support. It also includes administrative and security duties, participation in community events supporting the Community Reinvestment Act, and occasional guidance or training for other employees. NBT describes a supportive, community-focused workplace with development opportunities, competitive compensation, benefits, and performance-based incentives. The posting lists benefits for both full-time and part-time employees; the specific schedule for this position is not stated.

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 and work well as part of a team.
Proficient computer skills.
Must gain 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 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 daily routine and non-routine teller transactions and related customer and account servicing accurately and efficiently in accordance with policies and procedures.
Perform administrative duties, including maintaining records, preparing forms and reports, balancing the daily vault, and completing branch audits.
Follow security measures and controls to minimize potential losses; provide system overrides when authorized at the discretion of the Branch and Market Manager.
Provide consultative customer service by understanding customer needs and identifying viable solutions.
Manage customer relationships and make referrals in accordance with established objectives and goals.
Open and process deposit accounts and consumer lending transactions, and refer customers to appropriate business partners when necessary.
Discuss lending matters, including credit reports and credit scores, and educate customers about relevant products and services.
Conduct sales and service calls to existing and potential customers to meet needs and develop sales leads.
Take ownership of customer issues and complaints, coordinating additional support as needed to resolve them promptly and support customer satisfaction.
Participate in community events that support Community Reinvestment Act 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 participants in the High Deductible Health Plan.
Dental and vision coverage.
Flexible spending accounts for healthcare and dependent care expenses.
Employer-paid short-term 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 a pension plan.
Adoption assistance.
Tuition reimbursement.
Employee Assistance Program.
Pet insurance.
Banking service benefits and financial planning assistance.
For part-time employees working 20 or more hours per week: medical coverage with employer HSA contributions for eligible High Deductible Health Plan participants, dental and vision coverage, voluntary hospital, accident, and critical illness coverage, and six weeks of paid parental leave at 100% of salary.
For all part-time employees: 401(k) with employer matching, optional Roth 401(k), and pension eligibility for employees working at least 1,000 hours in a calendar year; paid sick and safe leave; Employee Assistance Program; and banking service benefits and financial planning assistance.
The company describes wellness initiatives, flexible work arrangements, development programs and tools, competitive compensation, and performance-based incentives.