Senior Relationship Banker

NBT Bank•Tonawanda, NY

19h•Onsite

About The Position

The role of the Senior Relationship Banker is to provide quality consultative customer service to ensure customers needs are met. They will be responsible for the accurate and efficient opening and processing of all new deposit account types and all consumer and business banking transactions. This individual will have a thorough understanding of the customer's banking needs of both consumer and business customers and will educate, refer and cross-sell the appropriate products and services that meet the needs of both prospective and existing customers. This individual will be responsible for identifying and referring sales opportunities to the appropriate business partner or line of business that will help fulfill the customer's need(s). Accountable for high standards of service and responsiveness to ensure fulfillment of external and internal customer needs. Delivers solutions to customers through interactive conversations to assess and address their needs. Actively engages with customers to identify referral and sale opportunities across all business lines. Engages in relationship management activities in accordance with established corporate objectives and goals. Has a working knowledge of both consumer and small business lending, including the ability to discuss credit reports, credit scores, etc. Accepts and processes consumer and business loan applications and closes loans within established guidelines, loan policy and procedures and compliance regulations. Conducts sales and service calls to existing and potential customers to ensure existing customer needs are met and to prospect new sales leads. Take ownership to resolve customer issues and complaints while delivering a high level of responsiveness to ensure fulfillment and customer satisfaction through direct personal action and enlist additional support to handle the customer's need in a timely manner. Administers the delivery of quality customer service with internal and external customers by ensuring adequate branch coverage, adherence to deadlines and efficient service. Processes daily transactions and associated general customer and account servicing duties with a high level of accuracy and efficiency including but not limited to routine and non-routine teller transactions in accordance with policy and procedures. Performs various administrative duties as assigned including maintaining records, preparing a variety of forms, reports, daily vault balancing and completion of the branch audit. Demonstrates safety and soundness by ensuring all the bank's policies and procedures, code of conduct and regulatory guidelines are being followed to remain compliant. This individual will have the authority to provide any necessary system overrides and oversight of the branch as required. Will adhere to security measures and controls to minimize any potential losses to the company. Participates in community events that support efforts with the Community Reinvestment Act CRA. Performs other duties as assigned including but not limited to providing guidance and conducting training for other employees.

Requirements

High School Diploma or Equivalent
Minimum two years' experience in related banking positions
Proficient reading, writing, communication and mathematical skills
Knowledge of Decision Pro, Loan-to-Value and Debt-to-Income calculations, and reading credit reports
Ability to identify and analyze situations and/or information using certain criteria and being able to resolve issues and problems
Ability to approach, identify, and have in-depth conversations with customers and identify needs and opportunities
Organizational, interpersonal and customer relations skills which also includes problem solving and decision-making skills
Ability to function in a fast paced, ever-changing environment
Ability to work well with people as a team
Proficient computer skills
Ability to obtain or have NMLS Certification under the terms of the S. A. F. E. Act of 2008

Nice To Haves

Previous customer service, sales, consumer, and business lending experience
Experience demonstrating leadership skills

Responsibilities

Provide quality consultative customer service to ensure customers needs are met
Accurately and efficiently open and process all new deposit account types and all consumer and business banking transactions
Have a thorough understanding of the customer's banking needs of both consumer and business customers
Educate, refer and cross-sell the appropriate products and services that meet the needs of both prospective and existing customers
Identify and refer sales opportunities to the appropriate business partner or line of business that will help fulfill the customer's need(s)
Be accountable for high standards of service and responsiveness to ensure fulfillment of external and internal customer needs
Deliver solutions to customers through interactive conversations to assess and address their needs
Actively engage with customers to identify referral and sale opportunities across all business lines
Engage in relationship management activities in accordance with established corporate objectives and goals
Have a working knowledge of both consumer and small business lending, including the ability to discuss credit reports, credit scores, etc.
Accept and process consumer and business loan applications and close loans within established guidelines, loan policy and procedures and compliance regulations
Conduct sales and service calls to existing and potential customers to ensure existing customer needs are met and to prospect new sales leads
Take ownership to resolve customer issues and complaints while delivering a high level of responsiveness to ensure fulfillment and customer satisfaction through direct personal action and enlist additional support to handle the customer's need in a timely manner
Administer the delivery of quality customer service with internal and external customers by ensuring adequate branch coverage, adherence to deadlines and efficient service
Process daily transactions and associated general customer and account servicing duties with a high level of accuracy and efficiency including but not limited to routine and non-routine teller transactions in accordance with policy and procedures
Perform various administrative duties as assigned including maintaining records, preparing a variety of forms, reports, daily vault balancing and completion of the branch audit
Demonstrate safety and soundness by ensuring all the bank's policies and procedures, code of conduct and regulatory guidelines are being followed to remain compliant
Provide any necessary system overrides and oversight of the branch as required
Adhere to security measures and controls to minimize any potential losses to the company
Participate in community events that support efforts with the Community Reinvestment Act CRA
Perform other duties as assigned including but not limited to providing guidance and conducting training for other employees

Benefits

Generous Paid Time Off: At least 22 days annually, prorated in the year of hire
Parental Leave: Six weeks of paid leave at 100% of your salary
Comprehensive Medical Coverage: Includes employer contributions to HSA for High Deductible Health Plan participants
Dental and Vision Coverage: Ensuring your overall health and well-being
Flexible Spending Accounts: For healthcare and dependent care expenses
Employer-Paid Disability Coverage: Both short-term and long-term, with an option to purchase additional long-term coverage
Life Insurance: Employer-paid basic life insurance, with an option to purchase supplemental coverage
Voluntary Benefits: Including hospital, accident, and critical illness coverage
Retirement Plans: Benefit from a 401(k) plan with employer matching, an optional Roth 401(k), and a pension plan to help secure your future
Adoption Assistance: Supporting your growing family
Tuition Reimbursement: Invest in your education and career growth
Employee Assistance Program (EAP): Access to support and resources
Pet Insurance: For all your furry friends
Financial and Banking Services: Various banking services benefits and financial planning assistance
Paid Sick and Safe Leave