Relationship Banker

Beneficial State Bank•Fresno, CA

7d•$26 - $28•Onsite

About The Position

The Relationship Banker develops new and existing business and consumer banking relationships by sourcing prospective clients and contacting existing clients to retain and expand relationships, meeting or exceeding assigned goals. The position reports to the Branch Manager and is unionized through the Communication Workers of America. It is a full-time, on-site role scheduled Monday through Friday in the Fresno department. The banker identifies client needs, recommends and sells appropriate banking products and services, builds referral opportunities, and delivers a strong client experience. The role may also provide teller coverage and operational backup when needed, while following bank security, privacy, compliance, and documentation requirements. The position supports the bank’s mission, values, goals, and culture through its service and conduct.

Requirements

High school diploma or equivalent work-related experience.
Three years of experience or commensurate training in retail activities, including sales and cash handling.
Proficiency with Microsoft Office applications and strong computer skills in a Microsoft Windows environment.
Positive, professional customer service and sales skills.
Effective oral, written, and interpersonal communication skills, including the ability to follow instructions, interpret documents, understand procedures, write reports and correspondence, and communicate clearly with customers and employees.
Good organizational and time-management skills.
Ability to work with general supervision.
Attention to detail, collaboration and communication, diversity and inclusion, execution and ownership, and time management competencies.
Skills in customer support systems, networking, relationship building, working under pressure, and effective communication.
Ability to perform the stated physical and mental activities, including lifting up to 10 pounds, and to use standard office equipment.

Nice To Haves

Experience and knowledge in management and branch operations.
Knowledge of state and federal banking compliance regulations and bank operational policies.
Ability to address routine problems involving multiple facets and variables in standardized situations.
Accuracy, alertness, good judgment, initiative, courtesy, tact, and patience when dealing with internal and external customers and vendors.
Thorough knowledge of retail products and services.
Proven customer service, interpersonal, and relationship-building skills.
Effective selling, cross-selling, and referral skills.
Strong mathematical, problem-solving, and negotiation skills.
Ability to analyze customer credit data and related financial information.
Previous experience in a financial sales representative-oriented role.
Current driver's license and vehicle with appropriate insurance coverage if driving is required for assigned duties.

Responsibilities

Research and source prospective clients, organizations, and centers of influence to grow new business.
Contact existing and potential clients in person and by phone to retain and expand banking relationships.
Complete client Needs Assessments, discuss identified opportunities, and recommend, present, and offer appropriate products and services.
Coach and collaborate with Customer Service Representatives to identify referral opportunities.
Deliver a client experience consistent with Branch and Retail Banking processes and protocols.
Review customer-related reports, including closed account, new account, CD maturity, and projected CD maturity reports.
Refer clients to the Senior Relationship Banker, Branch Manager, or appropriate department for additional products or services.
When needed, conduct teller transactions in accordance with operational procedures, maintain cash drawer limits, meet cash-balancing requirements, and identify cross-selling, acquisition, and referral opportunities.
Provide backup or coverage for critical operational tasks and activities when necessary.
Open new safe deposit boxes when applicable.
Follow bank operational, security, compliance, and privacy policies and protect customer confidentiality.
Ensure customer information meets bank and regulatory documentation requirements.
Comply with applicable state and federal regulations and internal policies, including BSA/Anti-Money Laundering, Fair Lending, Privacy, and Anti-Discrimination requirements.
Complete mandatory compliance training by established deadlines.
Perform other position-specific duties and functions as assigned.

Benefits

Medical, dental, vision, basic life, short-term disability, and long-term disability coverage.
Vacation days: 2–4 weeks depending on role.
12 sick days per year.
11 holidays per year.
401(k), Roth, FSA, HSA, and EAP.
Education and adoption assistance.
Bank-wide annual discretionary bonus program.
Production-based incentive program available for some roles.
Four days of paid volunteer time per year and an annual match of qualifying employee donations.
Paid sabbatical program after five years of service.
Pet benefits.