Senior Relationship Banker

NBT Bancorp•Albany, NY

22d

About The Position

The Senior Relationship Banker provides consultative customer service and ensures customers’ banking needs are met. The role accurately and efficiently opens and processes new deposit accounts and consumer and business banking transactions. The banker develops an understanding of consumer and business customers’ needs, educates customers about relevant products and services, and identifies and refers sales opportunities to appropriate business partners. The position supports customer relationships through needs-based conversations, lending discussions and applications, account servicing, branch transactions, and issue resolution. It also contributes to branch operations, compliance, security, community reinvestment activities, and employee guidance and training. The role requires the ability to obtain or maintain NMLS certification under the S.A.F.E. Act of 2008.

Requirements

High school diploma or equivalent.
Ability to obtain or hold NMLS certification under the terms of the S.A.F.E. Act of 2008.
Proficient reading, writing, communication, and mathematical skills.
Knowledge of Decision Pro, loan-to-value and debt-to-income calculations, and credit report interpretation.
Ability to identify and analyze situations or information using established criteria and resolve issues and problems.
Ability to approach customers, conduct 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 and work effectively as part of a team.
Proficient computer skills.

Nice To Haves

At least two years of experience in related banking positions.
Previous customer service, sales, consumer lending, and business lending experience.
Experience demonstrating leadership skills.

Responsibilities

Provide responsive, high-quality service to internal and external customers and assess customer needs through interactive conversations.
Identify referral and sales opportunities across business lines and engage in relationship management activities aligned with corporate objectives.
Discuss consumer and small business lending, including credit reports and credit scores; accept and process consumer and business loan applications and close loans in accordance with established guidelines, policies, procedures, and regulations.
Conduct sales and service calls to existing and prospective customers.
Take ownership of customer issues and complaints, resolve them directly where possible, and enlist additional support as needed.
Support adequate branch coverage, meet deadlines, and provide efficient service.
Process daily transactions and customer and account servicing duties, including routine and non-routine teller transactions, accurately and in accordance with policy and procedures.
Perform administrative duties, including maintaining records, preparing forms and reports, balancing the daily vault, and completing branch audits.
Follow bank policies, procedures, code of conduct, regulatory guidelines, and security measures and controls; provide system overrides and branch oversight as required.
Participate in community events supporting Community Reinvestment Act efforts.
Perform other assigned duties, including 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 High Deductible Health Plan participants.
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.
Paid sick and safe leave for part-time employees.
Wellness initiatives and flexible work arrangements.