Senior Relationship Banker

NBT Bank • Albany, NY

5d • $20 - $27

About The Position

The Senior Relationship Banker provides consultative customer service and ensures that consumer and business customers’ banking needs are met. The role accurately and efficiently opens and processes deposit accounts and consumer and business banking transactions. The banker develops a thorough understanding of customer needs, educates customers about appropriate products and services, and identifies and refers sales opportunities to the appropriate business partner or line of business.

The position supports customer relationships through service, sales, lending, account servicing, transaction processing, branch administration, and community involvement. It also includes providing guidance and training to other employees as assigned. The role requires the ability to obtain or hold NMLS certification under the terms of the S.A.F.E. Act of 2008.

The stated pay range is $20.10–$26.79. NBT describes a supportive culture, wellbeing initiatives, community involvement, career development, competitive compensation, benefits, and business stability. Full-time employee benefits include paid time off, paid parental leave, medical, dental and vision coverage, flexible spending accounts, disability and life insurance, voluntary coverage options, retirement plans with employer matching and a pension plan, adoption assistance, tuition reimbursement, an employee assistance program, pet insurance, and banking and financial-planning benefits. Applicants must be authorized to work for any U.S. employer; visa sponsorship is unavailable.

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, hold in-depth conversations, identify their needs, and recognize opportunities.
• Organizational, interpersonal, customer relations, problem-solving, and decision-making skills.
• Ability to function in a fast-paced, changing environment and work well as part of a team.
• Proficient computer skills.
• Ability to communicate effectively with internal and/or external customers.
• Ability to remain stationary for 75% or more of the time and move objects weighing up to 10 pounds.

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 consultative customer service and solutions by discussing customers’ needs and addressing them through interactive conversations.
• Identify customer referral and sales opportunities across business lines, and refer opportunities to appropriate business partners.
• Manage customer relationships in line with corporate objectives and goals.
• 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 guidelines, policy, procedures, and compliance requirements.
• Conduct sales and service calls to existing and prospective customers.
• Resolve customer issues and complaints promptly, taking personal ownership and enlisting support as needed.
• Ensure responsive service and adequate branch coverage, adherence to deadlines, and efficient service for internal and external customers.
• 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, daily vault balancing, and completing the branch audit.
• Follow bank policies, procedures, the code of conduct, regulatory guidelines, and security controls; provide system overrides and branch oversight as required.
• Participate in community events supporting Community Reinvestment Act efforts.
• Provide guidance and training to other employees and perform other duties as assigned.

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 and support resources.
• Pet insurance.
• Banking services benefits and financial planning assistance.
• For part-time employees working 20 or more hours per week: medical coverage with employer HSA contributions for eligible plan participants, dental and vision coverage, voluntary benefits, and six weeks of paid parental leave at 100% of salary.
• For all part-time employees: 401(k) with employer matching, optional Roth 401(k), and a pension plan for employees who work at least 1,000 hours in a calendar year; paid sick and safe leave; Employee Assistance Program; and banking services and financial planning assistance.
• Wellness initiatives and flexible work arrangements.
• Competitive compensation and performance-based incentives.
• Career development programs and tools.

What This Job Offers

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