Relationship Banker

NBT Bank•Saranac Lake, NY

12d•$19 - $23

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 in a timely manner, opens and processes deposit accounts, and handles consumer lending transactions. The banker educates customers and refers or cross-sells products and services suited to their needs, interacting with customers in person or by telephone. The role also handles daily teller transactions and account servicing, administrative duties, records, reports, vault balancing, and branch audit completion, while following policies, procedures, and security controls. Relationship Bankers build customer relationships, conduct sales and service calls, resolve customer issues, participate in community events supporting the Community Reinvestment Act, and may guide or train other employees. They are expected to develop consumer-lending knowledge 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 or information using criteria and resolve issues and problems.
Ability to approach customers, identify needs and opportunities, and hold in-depth conversations.
Organizational, interpersonal, and customer-relations skills, including problem-solving and decision-making.
Ability to work in a fast-paced, changing environment and work well with others as a team.
Proficient computer skills.
Ability to communicate effectively with internal and/or external customers.
Ability to move objects weighing up to 20 pounds.

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.

Responsibilities

Process daily routine and non-routine teller transactions and customer/account servicing duties accurately and efficiently according to policy and procedures.
Perform administrative duties, including maintaining records, preparing forms and reports, balancing the daily vault, and completing the branch audit.
Follow security measures and controls to minimize potential losses; provide system overrides when authorized by the Branch and Market Manager.
Understand customer needs and provide consultative service and viable solutions.
Manage referrals and customer relationships in line with established objectives and goals.
Open deposit accounts, process consumer lending transactions, and refer customers to appropriate business partners.
Discuss lending topics, including credit reports and credit scores, with customers.
Conduct sales and service calls with existing and potential customers to meet needs and develop sales leads.
Take ownership of customer issues and complaints, resolving them promptly and seeking additional support when needed.
Participate in community events supporting Community Reinvestment Act efforts.
Perform other assigned duties, which may include guiding and training other employees.
Develop knowledge of consumer lending in preparation for NMLS certification under the S.A.F.E. Act of 2008.

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.
Healthcare and dependent-care flexible spending accounts.
Employer-paid short- and long-term disability coverage, with the option to purchase additional long-term coverage.
Employer-paid basic life insurance, with the 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.
Pet insurance.
Banking services benefits and financial planning assistance.
Wellness initiatives and flexible work arrangements.
Performance-based incentives.
Part-time employees working 20 or more hours per week may receive medical, dental, vision, voluntary benefits, and paid parental leave.
Part-time employees may receive paid sick and safe leave; retirement plan eligibility includes a 1,000-hours-per-calendar-year requirement.