Relationship Banker

NBT Bancorp•Grand Gorge, 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 efficiently in accordance with policies and procedures, opens and processes deposit accounts, and handles consumer lending transactions. The Relationship Banker educates customers and recommends or refers products and services suited to their needs, interacting with customers in person and by telephone. The position includes daily transaction processing and account servicing, administrative and branch-control duties, customer relationship management, lending and deposit account services, customer outreach, and participation in community events supporting the Community Reinvestment Act. The employee may also guide and train other employees and perform other duties as assigned. The role requires developing a full knowledge of consumer lending in preparation for NMLS certification under the S.A.F.E. Act of 2008; 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, have 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.
Ability to work well with others as part of a team.
Proficient computer skills.
Develop full knowledge 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 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 associated customer and account servicing duties accurately and efficiently, following policies and procedures.
Perform administrative duties such as maintaining records, preparing forms and reports, balancing the daily vault, and completing branch audits.
Follow security measures and controls to minimize potential company losses; provide system overrides when authorized at the discretion of the Branch and Market Manager.
Use a consultative service approach to understand customer needs and provide appropriate 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 matters, including credit reports and credit scores, with customers.
Conduct sales and service calls to existing and prospective customers to meet needs and develop sales leads.
Take ownership of customer issues and complaints, resolving them responsively and seeking additional support when needed.
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) with employer matching, optional Roth 401(k), and a 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 hospital, accident, and critical illness coverage, and six weeks of paid parental leave.
For all part-time employees: 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 services benefits and financial planning assistance.