Sr Relationship Banker - El Camino Real, CA

U.S. Bank•Oceanside, CA

1d•$31 - $42•Onsite

About The Position

U.S. Bank Relationship Bankers build face-to-face relationships with customers, assess and address their banking needs, gather and process customer and account information, explain deposit and loan products and services, and recommend financial solutions suited to each customer’s goals. The role includes originating and closing consumer loans, opening accounts, and opening and/or closing the branch. The Senior Relationship Banker develops client relationships through proactive outreach and follow-up, identifies appropriate solutions, maintains knowledge of consumer and business banking products—including digital services—and supports a consistent client experience. They process basic transactions, open consumer and business accounts, complete service requests, submit credit applications, and educate clients about digital and self-service options. The role also involves working with branch colleagues and partners and using available resources and technologies to provide accurate, operationally excellent service. The position requires NMLS registration under the S.A.F.E. Act of 2008 and Regulation Z, including a criminal background and credit check. Failure to meet or maintain registration requirements may result in rescission of an offer or termination. The role must be performed at a U.S. Bank location on all scheduled work days.

Requirements

High school diploma or equivalent.
Typically five or more years of job-related retail banking experience, or a combination of experience and commensurate training.
NMLS registration under the S.A.F.E. Act of 2008 and Regulation Z, including meeting applicable criminal background and credit requirements.
Ability to work from a U.S. Bank location on all scheduled work days.

Nice To Haves

Proven ability to build and foster client relationships through proactive outreach and follow-up.
Ability to engage and communicate effectively with clients.
Advanced knowledge of applicable bank and branch policies, procedures, and support systems.
Thorough knowledge of retail products and services.
Proven customer service and interpersonal skills.
Experience participating in sales campaigns or promotions.
Experience using and demonstrating digital products and self-service technologies.
Ability to explore and identify customers’ underlying needs while using a digital-first mindset.
Demonstrated advanced proficiency in making appropriate recommendations that meet customer needs reactively and proactively.
Experience in the financial services industry.

Responsibilities

Build and foster client relationships through proactive outreach and follow-up, asking about financial needs and preferred banking channels.
Identify solutions for new and existing clients by engaging and communicating effectively with them.
Maintain working knowledge of consumer and business banking products and services, including digital products and services.
Provide an optimal client experience, including greeting clients and processing basic transactions.
Develop collaborative partnerships with branch team members and partners to serve clients.
Open consumer and business accounts, complete service requests, and submit credit applications.
Educate clients about emerging digital products and self-service technologies.
Use available resources and technologies to optimize client experience and deliver operationally excellent, accurate service.
Originate and close consumer loans.
Open and/or close the branch.

Benefits

Medical, dental, and vision healthcare coverage.
Basic term and optional term life insurance.
Short-term and long-term disability coverage.
Pregnancy disability and parental leave.
401(k) and employer-funded retirement plan.
Paid vacation of two to five weeks depending on salary grade and tenure.
Up to 11 paid holiday opportunities.
Adoption assistance.
Sick and Safe Leave accruals of one hour for every 30 hours worked, up to 80 hours per calendar year unless otherwise provided by law.
Incentive and recognition programs.
Equity stock purchase program.
Pension.