Relationship Banker

NBT Bancorp•Saranac Lake, NY

10d

About The Position

The Relationship Banker provides responsive, high-quality consultative customer service to meet the needs of internal and external customers. The role processes moderate to complex transactions and other services accurately, in a timely and efficient manner, and in accordance with policies and procedures. Responsibilities also include opening and processing deposit accounts and consumer lending transactions, educating customers, and referring or cross-selling products and services that meet their needs, either in person or by telephone. The position processes daily teller transactions and account-servicing requests, performs administrative duties such as recordkeeping, preparing forms and reports, vault balancing, and branch audits, and follows security controls to minimize potential losses. It provides consultative service, manages customer relationships and referrals, handles deposit-account openings and consumer lending, and makes sales and service calls to customers and prospects. The Relationship Banker takes ownership of customer issues and complaints and works to resolve them promptly, participating in community events supporting the Community Reinvestment Act and potentially providing guidance or training to employees. The role requires developing knowledge of consumer lending in preparation for NMLS certification under the S.A.F.E. Act of 2008 and familiarity with approval requirements. The position may provide system overrides at the discretion of the Branch and Market Manager. The listed pay range is $18.50–$23.42. NBT describes its workplace as supportive and focused on employee wellbeing, community involvement, culture, career development, total rewards, and business stability. Full-time benefits include paid time off, parental leave, medical, dental and vision coverage, flexible spending accounts, disability and life insurance, voluntary benefits, retirement plans, adoption assistance, tuition reimbursement, an employee assistance program, pet insurance, and financial and banking services. Applicants must be authorized to work for any U.S. employer; visa sponsorship is not available.

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, conduct in-depth conversations, and identify needs and opportunities.
Organizational, interpersonal, and customer-relations skills, including problem-solving and decision-making skills.
Ability to function in a fast-paced, changing environment.
Ability to work well with people as part of a team.
Proficient computer skills.
Ability to communicate effectively with internal and/or external customers; move about within or between locations; bend, twist, crouch, and squat; and move objects weighing up to 20 pounds.
Must be authorized to work for any employer in the United States; the employer is unable to sponsor or assume sponsorship of an employment visa.

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.
Gain 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.

Responsibilities

Process routine and non-routine teller transactions and related customer and account-servicing duties 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 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.
Provide consultative customer service to understand customer needs and deliver appropriate solutions.
Manage referrals and customer relationships in accordance with established objectives and goals.
Open deposit accounts and process consumer lending transactions; refer customers to appropriate business partners when necessary.
Discuss lending matters, including credit reports and credit scores, with customers.
Conduct sales and service calls to existing and potential customers to meet customer needs and develop new sales leads.
Take ownership of customer issues and complaints, arranging additional support when needed to provide timely resolution and customer satisfaction.
Participate in community events supporting 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- 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 (EAP).
Pet insurance.
Banking services benefits and financial planning assistance.
Part-time employees working 20 or more hours per week are eligible for medical coverage with HSA contributions for eligible plan participants, dental and vision coverage, voluntary benefits, and six weeks of paid parental leave.
All part-time employees are eligible for retirement plans (with the pension plan available to employees working at least 1,000 hours in a calendar year), paid sick and safe leave, EAP access, and financial and banking services.