Relationship Banker

NBT Bank•Sidney, NY

4d•$19 - $23

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 in accordance with policy and procedures, opens deposit accounts, and processes consumer lending transactions. The Relationship Banker educates customers and recommends or refers products and services suited to their needs through in-person and telephone interactions. The position also performs teller and account-servicing duties, administrative tasks, recordkeeping, vault balancing, and branch audit activities. It supports security controls, customer issue resolution, referral and relationship management, and sales and service outreach. The role participates in community events supporting the Community Reinvestment Act and may provide guidance or training to other employees. The Relationship Banker is expected to develop a full understanding of consumer lending in preparation for NMLS Certification under the S.A.F.E. Act of 2008 and become familiar with approval requirements. Ability to obtain NMLS Certification is preferred, but not required.

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 established criteria and resolve issues and problems.
Ability to approach customers, identify needs and opportunities, and conduct in-depth conversations.
Organizational, interpersonal, and customer-relations skills, including problem-solving and decision-making skills.
Ability to function in a fast-paced, ever-changing environment and work well with people as part of a team.
Proficient computer skills.
Ability to communicate effectively with internal and external customers.
Applicants must be authorized to work for any employer in the U.S.; visa sponsorship is not available.

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 routine and non-routine teller transactions and related customer and account-servicing duties accurately and efficiently in accordance with 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 at the discretion of the Branch and Market Manager.
Provide consultative customer service by identifying customer needs and offering viable solutions.
Manage referrals and customer relationships in accordance with established objectives and goals.
Open deposit accounts, process consumer lending transactions, and refer customers to appropriate business partners.
Maintain working knowledge of lending, including discussing credit reports and credit scores.
Conduct sales and service calls to existing and potential customers to meet customer needs and develop sales leads.
Take ownership of customer issues and complaints, resolve them responsively, and enlist support when needed to ensure timely fulfillment and satisfaction.
Participate in community events supporting efforts with the Community Reinvestment Act (CRA).
Perform other assigned duties, which may include providing guidance and training to other employees.
Develop knowledge of consumer lending in preparation for NMLS Certification and become familiar with approval requirements.

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- 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 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 plan participants, dental and vision coverage, voluntary benefits, and six weeks of paid parental leave at 100% of salary.
For all part-time employees: retirement plans, including 401(k) with employer matching, optional Roth 401(k), and pension plan 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.
Wellness initiatives and flexible work arrangements.
Development programs and tools for career growth.
Competitive compensation and performance-based incentives.