Relationship Banker

NBT Bancorp•Newark Valley, NY

13d

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 recommends appropriate products and services, interacting with customers in person or by telephone. The position combines transaction processing, account servicing, relationship management, sales, and community involvement. It also includes maintaining records, completing administrative and branch-control tasks, resolving customer concerns, and helping train other employees as assigned. The Relationship Banker will build 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 or information using criteria and resolve issues and problems.
Ability to engage customers in in-depth conversations, identify their needs, and recognize opportunities.
Organizational, interpersonal, customer-relations, problem-solving, and decision-making skills.
Ability to work in a fast-paced, changing environment and work well with others as part of 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; preferred but not required.

Responsibilities

Process routine and non-routine teller transactions and related account services 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 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.
Open deposit accounts and process consumer lending transactions; refer customers to appropriate business partners when necessary.
Build customer relationships and meet established referral and relationship-management objectives.
Discuss lending matters, including credit reports and credit scores, and educate customers about relevant products and services.
Conduct sales and service calls with existing and potential customers to meet current needs and develop sales leads.
Take ownership of customer issues and complaints, coordinating additional support as needed to resolve them promptly and maintain customer satisfaction.
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 and become familiar with NMLS certification and 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 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.
Pet insurance.
Banking services benefits and financial planning assistance.
For part-time employees working 20 or more hours per week: medical coverage with employer HSA contributions for eligible plan participants, dental and vision coverage, voluntary benefits, and six weeks of paid parental leave.
For all part-time employees: paid sick and safe leave; Employee Assistance Program; banking services benefits and financial planning assistance; and eligibility for retirement plans, including a pension for employees working at least 1,000 hours in a calendar year.