Relationship Banker

Valley Bank•Pell City, AL

About The Position

The Relationship Banker grows existing customer relationships and acquires new customers through sales execution, lead management, and proactive cross-selling. The role provides friendly, professional, solution-oriented service; maintains knowledge of bank products and services; assesses customer needs; and recommends suitable financial solutions. The banker opens checking, savings, CD, and IRA accounts, discusses and sells loan products, and promotes online and mobile banking. The position also handles customer transactions, maintains and balances a cash drawer, and serves as Vault Teller by managing branch cash levels, currency and coin orders, shipments, and distribution to tellers. The banker supports service quality, referrals, coaching and mentoring branch staff, community events and CRA initiatives, and compliance with bank policies and regulatory requirements. Significant issues and unusual customer activity are reported to management.

Requirements

High school diploma or GED equivalent.
At least one year of experience in customer service, retail sales and service with cash handling, or a similar role.
Excellent verbal and written communication skills, including the ability to write correspondence and accurately demonstrate products and services to customers.
Strong interpersonal and customer service skills, attentiveness, information retention, tact, and diplomacy with customers and employees.
Strong analytical, problem-solving, and decision-making skills to uncover and resolve complex customer issues.
Ability to make sound on-the-spot decisions about customer transactions, weighing customer satisfaction against the bank's exposure to loss or fraud.
Ability to interpret instructions in written, oral, diagram, or schedule form.
Deep understanding of Retail Banking and strong customer service skills, including engaging customers in conversations about products and services.
Detail orientation, strong organizational skills, and a high degree of accuracy.
Ability to manage multiple projects simultaneously.
Proficient computer skills.

Nice To Haves

One year of business services experience in branch banking and knowledge of branch operations, or successful completion of a Valley Retail training program.
Associate's or bachelor's degree with a concentration in accounting, business, finance, economics, or a related field.
Experience with FIS/IBS (Integrated Banking Solutions).

Responsibilities

Grow existing customer relationships and acquire new customers through sales execution, lead management, and proactive cross-selling.
Deliver friendly, professional, solution-oriented customer service in alignment with the bank's mission.
Maintain knowledge of bank products and services, educate customers, and cross-sell to meet their financial needs.
Build trust, assess customer needs, and recommend appropriate financial solutions.
Conduct financial needs assessments, maximize sales opportunities, and provide full-service support.
Open checking, savings, CD, and IRA accounts, and discuss and sell loan products to existing and prospective customers.
Demonstrate and promote online and mobile banking capabilities.
Meet customer expectations and service quality standards; participate in or oversee referrals and assist management with coaching and mentoring branch staff.
Process customer transactions efficiently using technology; maintain and balance a cash drawer and use teller scanning equipment, cash recyclers, cash dispensers, and coin machines.
Serve as Vault Teller by maintaining adequate branch cash levels and managing currency and coin orders, shipments, and distribution to tellers within established limits.
Participate in community events and support CRA initiatives, activities, and programs.
Report significant matters, issues, and unusual customer activity to management, and maintain knowledge of compliance and regulatory requirements.
Adhere to the bank's code of conduct, policies, and procedures.