Sr Relationship Banker

U.S. Bank•Oceanside, CA

2d•Onsite

About The Position

U.S. Bank Relationship Bankers build customer relationships through face-to-face engagement and provide counsel tailored to customers’ banking needs and preferences. They obtain and process customer and account information, educate customers about deposit and loan products and services, and recommend financial solutions aligned with individual goals. The role also originates and closes consumer loans, opens accounts, and may open and/or close the branch. The position requires National Mortgage Licensing System (NMLS) registration under the S.A.F.E. Act of 2008 and Regulation Z. Registration involves a criminal background and credit check; failure to meet or maintain registration requirements may result in rescission of an offer or termination of employment. This role requires working from a U.S. Bank location for 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.
Must obtain and maintain NMLS registration as required under the S.A.F.E. Act of 2008 and Regulation Z, including meeting applicable criminal background and credit check requirements.
Ability to comply with U.S. Bank policies and procedures, including the Code of Ethics and Business Conduct and related workplace conduct and safety policies.

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’ true needs while using a digital-first mindset.
Demonstrated advanced proficiency in making appropriate recommendations that meet customer needs reactively and proactively.
Financial services industry experience preferred.

Responsibilities

Build and foster client relationships through proactive outreach and follow-up, asking about financial needs, and learning clients’ banking channel preferences.
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 offerings.
Provide a consistent client experience, including greeting clients and processing basic transactions.
Develop collaborative partnerships with branch team members and partners to serve clients.
Open new consumer and business accounts, complete service requests, and submit credit applications.
Educate clients proactively about emerging and self-service digital products and services.
Use available resources and technologies to improve the client experience and deliver operational excellence and accuracy.
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 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.
Pension.