Relationship Banker II (Algiers Branch)

FIRST BANK and TRUST New Orleans, LA
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JOB SUMMARY:  As a part of the customer-facing team, the Relationship Banker (RB) is the “face of FBT” for branch visitors and customers. The Relationship Banker position is an all-encompassing role which requires the associate to deliver high touch sales and service as well as process teller transactions for all customers.  The RB is responsible for creating and maintaining a positive customer relationship by effectively communicating a clear understanding of the benefits and features of all FBT’s products and services. The RB will engage in consultative sales of all bank products and services as well as providing customer service activities.  RBs contribute directly to the success of the branch by recognizing and uncovering opportunities to establish and deepen customer relationships. This may also include supervisory responsibilities. The time spent performing sales, service or supervisory tasks will be determined by branch size, staffing level and the needs of the branch which may vary by location, day, and customer demand.

 

ESSENTIAL RELATIONSHIP BANKER FUNCTIONS (Applies to all RB levels):

Communication

             Demonstrates high level of positive and articulate communications with all customers and co-workers; can be persuasive in both positive and negative situations.  Can defuse difficult situations through careful listening, empathy and fact-based feedback.

             Demonstrates good written communications including accurate spelling, proper grammar and syntax.

             Has excellent verbal communications skills; is articulate and uses proper grammar and can explain concepts clearly and positively.

Transaction Processing

             Participates in and completes assigned new employee and regularly scheduled training (compliance, security, transaction, systems, etc.) and can demonstrate                              knowledge upon completion.

             Accurately processes customer transactions, balances drawer and or vault, and maintains safeguards against fraud or out of balance conditions.

             Demonstrates product knowledge of all deposit and lending products & services with a level of detailed proficiency for all depository products and a referral                                  knowledge of products & services not typically offered directly by the RB.

             Is responsible for opening and providing maintenance for any type of depository account.

             Is capable of answering basic lending questions and processing or referring loan maintenance requests.

Compliance

             Maintains adherence to all operational, regulatory and security requirements; follows directives and procedures to achieve minimal losses.

             Adheres to regulatory and compliance criteria in regard to opening deposit accounts; adheres to operational and screening processes as well as procedures related to:

                Reg CC Holds, Endorsements, Check inspection, Identification of red flags, Qualifile/ChexSystems, Report review / customer history, Reg E / Customer disputes,                            Balancing, Security

 

Sales

             Utilizes consultative sales skills including listening carefully to customer needs and probing for needed information with needs-based questioning.  Is able to suggest                 products and services  based upon information provided and is effective at closing the sale/cross-sale. 

             Confidently drive sales and sales initiatives through product knowledge and high-touch customer service delivery allowing them to achieve individual and team                           goals.

             Introduces customers to and demonstrates knowledge of all digital products and channels and is capable assisting customers in enrollment, use, and best practice                    recommendations.

             Follows-through with the customer by phone, mail, and in-person visits to check transactions, build and deepen the customer relationship.

 

General

             Shows enthusiasm for learning, demonstrating initiative and teamwork.

             Adheres to all bank and branch internal policies and procedures.

             Places success of team and co-workers as a priority and works collaboratively and professionally to maintain a positive work environment. 

             Maintains drawer limits and security

             Demonstrates and models First Bank & Trust’s core values in support of the bank’s culture.


ADDITIONAL JOB FUNCTIONS BY RB LEVEL (Signing Authorities are general based upon RB level but more specifically granted based on individual performance and experience):

 

Relationship Banker II   

             Authority to sign official items up to $50,000 or as approved by Senior Management.

             May be granted overdraft processing authority on behalf of responsible officer(s) after appropriate training and oversight period.

             May balance and stock branch vault if assigned while maintaining effective controls.  Places orders and processes shipments in a timely manner under dual control                    assuring cash drawers are within cash limits.

             Accepts and processes consumer loan applications (primarily collection of needed documentation) in adherence to policy/regulations and/or refers applicants to a                      Branch Manager or  Relationship Manager.

                   

REQUIRED EDUCATION, EXPERIENCE AND SKILLS:

Relationship Banker II:   A minimum of two years in financial institution performing RB functions or four years equivalent experience

Relationship Banker III:  Three to five years previous RB or equivalent experience.  Must have worked in a financial institution for a minimum of three years.  

AND

High School education/equivalent or higher

Excellent customer service skills; enjoys working with people

Excellent communication both written and verbal

Professional appearance and manner

Cash handling, sales and customer service background

Energy, Drive, Ambition and Initiative

Learns From Mistakes

Puts People at Ease

Gets Information, Making Sense of It; Identifies problems and finds solutions

Knowledge: Banking, Financial, Trade and Business

Maintains Clear Communication with Customer

Thorough knowledge of bank products and services

 

Physical Demands- While performing the duties of this job, the employee is regularly required to stand; walk; sit; use of hands and fingers to feel or handle equipment and files; reach with hands and arms and talk and hear.  The employee is occasionally required to climb or balance and stoop, kneel, crouch or crawl.  The employee must regularly lift and/or move up to 5 pounds.  The employee occasionally lifts and/or moves up to 20 pounds.  Reasonable accommodations may be made to enable individuals with disabilities to perform the essential functions.

Work Environment- The work environment of Relationship Banker may be at desk or behind a Teller line in plain view for immediate customer service.  The environment can get noisy during peak times.  All areas are air conditioned and heated.  Reasonable accommodations may be made to enable individuals with disabilities to perform the essential functions.


FIRST BANK and TRUST is an EEO employer - M/F/Vets/Disabled
 
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