Sr Relationship Banker

U.S. Bank•Oceanside, CA

4d•$31 - $38•Onsite

About The Position

Relationship Bankers build relationships with customers through face-to-face engagement and by providing counsel suited to their banking needs. The role involves assessing customer needs, obtaining and processing customer and account information, educating clients about deposit and loan products and services, and recommending financial solutions aligned with their goals. Relationship Bankers originate and close consumer loans, open accounts, and may open 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 includes criminal background and credit checks; failure to meet 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 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 under the S.A.F.E. Act of 2008 and Regulation Z, including required criminal background and credit checks.
Must be able to comply with U.S. Bank policies and procedures, including its Code of Ethics and Business Conduct and 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’ underlying needs while using a digital-first mindset.
Demonstrated advanced proficiency in making appropriate recommendations that meet customer needs proactively and reactively.
Financial services industry experience preferred.

Responsibilities

Build and foster client relationships through proactive outreach and follow-up, learning about financial needs and banking channel preferences.
Identify 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 partners to serve clients.
Open new 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 operational excellence and accuracy.
Originate and close consumer loans, and open and/or close the branch.