Relationship Banker

NBT Bank • Irondequoit, NY

23d • $19 - $23

About The Position

The Relationship Banker delivers responsive, high-quality, consultative customer service to internal and external customers. The role processes moderate to complex transactions and services accurately and efficiently according to policy and procedure; opens and processes deposit accounts and consumer lending transactions; and educates customers about, refers, and cross-sells products and services suited to their needs. Customer interactions may take place in person or by telephone.

The banker develops working knowledge of consumer lending in preparation for NMLS Certification under the S.A.F.E. Act of 2008 and becomes familiar with approval requirements. The role may provide guidance and training to other employees and participate in community events supporting the Community Reinvestment Act. 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 their needs, and conduct in-depth conversations to identify needs and opportunities.
• Organizational, interpersonal, customer relations, problem-solving, and decision-making skills.
• Ability to function in a fast-paced, changing environment and work effectively as part of a team.
• Proficient computer skills.
• Ability to communicate effectively with internal and 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 routine and non-routine teller transactions and perform customer and account servicing 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 losses; provide necessary system overrides when authorized at the discretion of the Branch and Market Manager.
• Understand customer needs and provide consultative service and 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.
• Discuss lending matters, including credit reports and credit scores.
• Conduct sales and service calls with existing and potential customers to meet customer needs and develop sales leads.
• Take ownership of customer issues and complaints, resolving them responsively and coordinating additional support as needed.
• 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 the option to purchase additional long-term coverage.
• Employer-paid basic life insurance, with the 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.
• Medical coverage, dental and vision coverage, voluntary benefits, and six weeks of paid parental leave for part-time employees working at least 20 hours per week.
• Retirement plans, including 401(k) with employer matching, optional Roth 401(k), and pension eligibility for part-time employees working at least 1,000 hours in a calendar year.
• Paid sick and safe leave for all part-time employees.

What This Job Offers

• Job Type: Full-time
• Career Level: Entry Level
• Education Level: High school or GED