Relationship Banking Officer

Cathay Bank•San Francisco, CA

About The Position

The Relationship Banking Officer primarily manages a portfolio of retail branch customers, including consumer and business customers, and conducts business development. The role opens accounts, deepens customer relationships through cross-selling bank products and services, and refers customers to other areas of the bank as appropriate. As needed, the officer conducts teller transactions and provides operational support while delivering exceptional customer service. The position follows applicable regulations and bank security procedures to protect customers and minimize risk to the bank. The officer builds and maintains branch relationships through active portfolio management, identifies opportunities to meet customers’ financial goals, originates and processes mortgage loans, and works with bank sales personnel including Financial Advisors, Commercial Lenders, and Cash Management. The role supports business promotions, achieves assigned goals for loans, deposits, and fee income, and may represent the bank in civic and community affairs. The position independently handles new account opening procedures for all bank products and services, responds to inquiries, recommends financial solutions, resolves problems, and performs account maintenance. Operational duties include deposits and withdrawals, balancing a teller cash drawer, outgoing wire processing, safe deposit box functions, ATM balancing, and required reporting of suspected fraudulent or suspicious activity. The role requires obtaining the appropriate state Life Insurance License within 12 months of hire or designation, and MLO status to originate mortgage loans. The officer must have an active or eligible NMLS registration within six months of hire or designation. The bank strongly recommends FINRA Series 6 and 63 or Series 7 and 65 licensing.

Requirements

Minimum five years of retail banking experience; emphasis on sales and business development is a plus.
Thorough knowledge of bank products and services.
Knowledge of and adherence to regulations and policies affecting new account processing.
Obtain the appropriate state Life Insurance License within 12 months of hire or designation as a Relationship Banking Officer.
Obtain MLO status to originate mortgage loans.
Possess active NMLS registration or be eligible for registration within six months of hire or designation as a Relationship Banking Officer.
Computer literacy and typing proficiency.
Detail-oriented and organized, with the ability to multitask, work under pressure, and follow through on commitments.
Excellent interpersonal, listening, and communication skills, including the ability to engage and educate customers, ask open-ended questions, and build trust and lasting relationships.
Ability to assess customer needs, provide suitable solutions or recommendations, and optimize sales opportunities with new and existing customers.
Strong critical-thinking and problem-solving skills, including the ability to create action plans.
Ability to work independently and as part of a team.
Ability to give and receive feedback to improve skills and job knowledge.
Ability and willingness to commute as required for business needs.
Able to work weekends and extended hours as required to meet business demands.

Nice To Haves

College degree in business, accounting, or finance.
Previous experience with data entry, 10-key, banking software, and Microsoft Word, Excel, PowerPoint, and Outlook.
FINRA Series 6 and 63 or Series 7 and 65 licenses are strongly recommended.
Bilingual English and Chinese (Mandarin or Cantonese).

Responsibilities

Manage a portfolio of retail branch consumer and business customers and conduct business development.
Build rapport and maintain or expand branch relationships through active customer portfolio management.
Identify cross-selling opportunities and recommend bank products and services to meet customers’ financial goals.
Originate and process mortgage loans.
Maintain communication with bank sales personnel, including Financial Advisors, Commercial Lenders, and Cash Management.
Provide personalized customer service and maintain frequent customer contact to expand relationships and support retention.
Support branch new-business promotions and achieve assigned loan, deposit, and fee-income sales goals.
Represent the bank in civic and community affairs, as appropriate.
Independently complete new account opening procedures for all bank products and services.
Answer customer inquiries, recommend appropriate financial solutions, and assist with problem resolution.
Perform account servicing and maintenance, including check orders, address changes, return mail processing, and signature-card updates.
Maintain the confidentiality of customer information and bank proprietary information.
Perform deposit and withdrawal transactions and reconcile and balance a teller cash drawer.
Process outgoing wires and perform safe deposit box functions, including entry, opening, and maintenance.
Assist with ATM balancing and customer problem resolution.
Detect and report fraudulent or suspicious activity through required BSA, Currency Transaction, or Monetary Instrument reporting.
Follow regulations, bank policies, and security procedures to protect customers and minimize bank risk.