Relationship Banker Jobs

About The Position

Requirements

• Typically 2–3 years of relevant experience and a post-secondary degree in a related field, or an equivalent combination of education and experience.
• Appropriate lending qualifications and designations.
• Working knowledge of personal and small business customer needs and solutions.
• Working knowledge of retail investments and lending products.
• Experience in a consultative customer service or sales role, with a drive to deliver a personal customer experience.
• Passionate commitment to helping customers and delivering a personal customer experience.
• Focus on results and ability to thrive in a consultative sales and team-based environment.
• Resourceful self-starter with the courage and confidence to approach customers.
• Readiness to collaborate and work in different capacities as part of a team.
• Strong interpersonal skills, including the ability to build rapport and connections with customers.
• Ability to listen, solve problems, and respond flexibly and creatively to new challenges.
• Specialized knowledge.
• Good verbal and written communication skills.
• Good organization skills.
• Good collaboration and team skills.
• Good analytical and problem-solving skills.
• In Canada, completion of registration to sell investment products, as appropriate for the jurisdiction.
• In the U.S., federal registration with the Nationwide Mortgage Licensing System and Registry is required; a criminal background review and credit history evaluation will also be required, and restrictions apply to performing in a real estate agent capacity.

Nice To Haves

• Experience in financial services is an asset.
• Confidence and experience using social media, tablets, smartphones, online tools, and applications.

Responsibilities

• Proactively engage existing customers and prospects through needs-based assessments to grow loyalty and identify current and future opportunities.
• Assess customer needs and recommend tailored banking, investment, lending, home financing, and small business solutions.
• Advise customers on digital and self-service options to make banking easier, simpler, and faster.
• Support customer transactions based on customer traffic.
• Reach out to customers, generate appointments, and build new relationships in the community.
• Address questions and resolve issues raised through consumer credit audits and quality checks, ensuring accurate data entry and lending recommendations that comply with requirements and policies.
• Apply the risk management framework to the lending portfolio and protect bank assets while maintaining portfolio quality.
• Make personal lending credit recommendations, including home financing, in accordance with sound credit principles and bank policies and procedures.
• Collaborate as a member of the branch and market team, contributing to business results and the customer experience.
• Understand customers’ personal banking and credit card needs and incorporate relevant marketing promotions and programs into conversations.
• Organize work information to ensure accuracy and completeness.
• Find creative ways to personalize customer experiences and contribute to improving the overall customer experience.
• Follow risk and compliance processes and policies to safeguard customer assets and privacy and act in customers’ best interests.
• Maintain current knowledge of financial services, the legal and regulatory environment, and personal banking products, practices, and trends.
• Identify and report suspicious patterns of activity suspected to be related to money laundering.
• Comply with applicable legal, regulatory, and ethical requirements and protect the bank’s assets.
• Analyze issues, determine next steps, and handle complex tasks or escalations within established rules and limits.
• Make sound, risk-informed decisions in line with the Risk Management Framework, Risk Culture, approved Risk Appetite, applicable policies, laws, and regulations.
• Undertake broader work or accountabilities as assigned.

Benefits

• Health insurance
• Tuition reimbursement
• Accident and life insurance
• Retirement savings plans
• May include performance-based incentives, discretionary bonuses, and other perks and rewards
• In-depth training and coaching, manager support, and network-building opportunities