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. This may also include
supervisory responsibilities. 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 and service activities and
contributes directly to the success of the branch by recognizing and uncovering
opportunities. The time spent performing sales, service or supervisory tasks
will be determined by level and the needs of the branch which may vary by
Accurately processes customer
transactions, balances drawer and or vault, and maintains safeguards against fraud or out of balance
Demonstrates product knowledge of all
deposit and lending products & services with a level of proficiency for all
depository products and a referral knowledge of products & services not
offered directly by the RB.
Balance and stock branch vault on
rotation basis while maintaining effective controls. Places orders and processes shipments in a
timely manner under dual control assuring cash drawers are within cash limits.
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.
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. Follows-through with the customer by phone,
mail, and in-person visits to build and deepen the customer relationship.
Confidently drive sales and sales
initiatives through product knowledge and high-touch customer service delivery allowing
them to achieve individual and team goals.
Demonstrates knowledge of all
digital products and channels and is capable of introducing them and assisting
customers in enrollment, use, and best practice recommendations
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
Adheres to all bank and branch
internal policies and procedures.
Demonstrates and models First Bank
& Trust’s core values in support of the bank’s culture.
Authority to sign official items up
to $250,000 or as approved by Senior Management.
May have authority to decision
overdrafts up to a specified amount.
Accepts and processes consumer loan
applications in adherence to policy/regulations or refers applicants to a Branch
Manager or Relationship Manager.
Performs wire transfers up to
$250,000 or as approved by Senior Manager
Depending upon the branch size
volume, and staffing and in the absence of the Branch Manager, may have responsibility
for daily operations of the branch to include; assuring policy, procedures,
security measures, branch balancing, oversight of branch vault and teller
drawers, assures that teller work and scanning is complete and accurate.
Responsible for the record keeping as
required under the Operations Procedures and audits performed as needed on a monthly
and/or quarterly basis.
Responsible for the oversight of all
account documentation to include deposit documents, NAICS codes, completion of CDD
information in a timely manner
Confers daily with Branch Manager or
Branch Operations Officer on operational matters to include any backlog of
outstanding new account documentation, bank losses, out of balance conditions,
and any personnel or operational issues that need to be addressed
EDUCATION, EXPERIENCE AND SKILLS:
- Relationship Banker IV- Five years
previous RB or equivalent experience
- High School education/equivalent or
- Excellent customer service skills; enjoys working with
- Excellent communication both written and verbal
- Professional appearance and manner
- Cash handling, sales and customer
- Energy, Drive, Ambition
- Learns From Mistakes
- Putting People at Ease
- Gets Information, Making Sense of
It; Identifies problems and finds solutions
- Knowledge: Trade and Business
- Maintains Clear Communication with
- Thorough knowledge of bank products and services
- Possesses good organizational and time-management skills
and the ability to see a project through to completion with minimal
thorough knowledge of customer service/teller operations to coordinate the
daily functioning of the Branch.
act independently, within the limits of Bank policy and the guidelines set by
the Branch Coordinator, in carrying out all assigned responsibilities and
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 pay days and holidays.
All areas are air conditioned and heated. Reasonable accommodations may be made to enable
individuals with disabilities to perform the essential functions.
FIRST BANK & TRUST is an EEO employer - M/F/Vets/Disabled