Sr Relationship Banker - El Camino Real, CA

U.S. Bank•Oceanside, CA

2d•Onsite

About The Position

Relationship Bankers build customer relationships through face-to-face meetings and by engaging customers when and where they need guidance. They establish trust by assessing and addressing banking needs, obtaining and processing customer and account information, educating clients about deposit and loan products and services, and recommending financial solutions tailored to customers’ goals. The role also involves originating and closing consumer loans, opening accounts, and opening and/or closing the branch. The position requires National Mortgage Licensing System (NMLS) registration under the S.A.F.E. Act of 2008 and Regulation Z. Registration includes criminal background and credit checks; failure to satisfy or maintain registration requirements may result in rescission of an offer or termination of employment. The role requires working from a U.S. Bank location on all scheduled workdays.

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 required criminal background and credit checks.

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’ needs while using a digital-first mindset.
Advanced proficiency in making appropriate recommendations that meet customer needs reactively and proactively.
Experience in the financial services industry preferred.

Responsibilities

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

Benefits

Healthcare, including medical, dental, and vision coverage.
Basic term and optional term life insurance.
Short-term and long-term disability insurance.
Pregnancy disability and parental leave.
401(k) and an 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.
401(k) contribution and pension, subject to eligibility requirements.