The Relationship Banker position is responsible for
delivering excellent customer experiences to current and potential customers. Associates
in this position will display effective communication skills and exhibit a good
knowledge of the deposit products and services offered, along with the skills necessary
to process a variety of financial transactions while operating a teller drawer
or cash recycler. This position is also responsible for offering referral
opportunities that will result in outcomes that define excellent customer
- Consults with account holders to identify
- Provides information and sells new
deposit products and services, including but not limited to, DDA, SAV,
IRA’s, certificates of deposit and money market accounts.
- Quotes rates, service charges, restrictions,
and other relevant information about the products and services available.
- Prepares necessary paperwork for
opening new accounts and input on computer.
- Orders checks, and Debit Cards.
- Completes account packets with
required documentation and submits to Deposit Operations within the
required time frame.
- Maintains files on the account
status of branch customers; informs customers when fixed time deposit
accounts have matured; renews accounts or opens new accounts.
- Responds to and provides
resolution to customer inquiries on account status; researches problems
- Must be proactive in meeting the
needs of customers, such as utilizing tools provided to offer additional
products and retain existing relationships.
- Maintains required monthly cross-sell
ratio by offering other bank services.
- Achieves required monthly
referrals for bank products and services to current and prospective customers.
- Maintains required customer
retention at an acceptable level.
- Utilizes the appropriate support
department, handles and relays power of attorneys, successions, estates,
subpoenas, and court orders that are received.
- Collects charge-offs.
- Successfully completes and
documents monthly portfolio retention calls.
- Assists customers with wire
- Provides excellent customer
This position processes a variety of routine financial
transactions including check cashing, withdrawals, deposits, and loan payments.
In accordance with bank policy and procedures, this position also maintains appropriate
level of cash on hand, records all transactions accurately, and is responsible
for managing and balancing a cash drawer.
Floater Position (if applicable)
If this is a floater position, the following
Travel to designated branches within assigned
Duties and Responsibilities
Provide excellent customer service
while listening for assist opportunities, explain and promote bank products or
services to customers.
Follow up with prospective and current
customers by telephone or letter to promote new products and services.
Answer questions and solve problems for
customers and office staff concerning all services provided by the bank.
Maintain a detailed level of knowledge
of retail and business products and services.
Prepare Currency Transaction Reports
and Monetary Instrument logs.
Maintain an acceptable Cash Over and
Short account according to the bank policy guidelines.
Actively monitor the status of key
customer relationships to promote business growth and service quality.
Increase the number of services used
per customer to increase both profits and customer retention.
Process daily transactions through
“Branch Capture” ensuring debits and credits balance in accordance with
established policies and guidelines.
Rent safe deposit boxes and prepare
rental paperwork and signature card.
Perform normal cash handling duties.
Identify correct product types and
solutions through needs-based questioning to build and strengthen customer
Actively participate in weekly meetings
and one on one coaching sessions.
Adhere to the BSA Policy and all other
Other duties and responsibilities as assigned
Qualifications (Education, Experience, Skills)
- 1 year of experience in customer
- 6 months of cash handling experience
- High school diploma or equivalency,
associate degree preferred.
- General knowledge of DDA, SAV,
IRA, CD, and money market accounts preferred.
- Must possess a strong work ethic,
positive attitude, good communication skills, and good computer skills.
Demands and Work Environment
The physical demands described here
are representative of those that must be met by an employee to successfully
perform the essential functions of this position. Reasonable accommodations may
be made to enable individuals with disabilities to perform the functions. While performing the duties of this position, the employee
is regularly required to talk and hear. The employee frequently is required to
use hands or fingers, handle, or feel objects, tools, or controls. The employee
is occasionally required to stand; walk; sit; reach with hands and arms; climb
or balance; and stoop, kneel, crouch, or crawl. The
employee must occasionally lift and/or move up to 25 pounds. Specific vision
abilities required by this position include close vision, distance vision,
color vision, peripheral vision, and the ability to adjust focus. The noise level in the work environment is usually
This job description in no way states or
implies that these are the only duties to be performed by the employee(s)
incumbent in this position. Employees
will be required to follow any other job-related instructions and to perform
any other job-related duties requested by any person authorized to give
instructions or assignments. All duties and responsibilities are essential functions
and requirements and are subject to possible modification to reasonably
accommodate individuals with disabilities.
To perform this job successfully, the incumbents will possess the skills
aptitudes and abilities to perform each duty proficiently. Some requirements may exclude individuals who
pose a direct threat or significant risk to the health or safety of themselves
or others. The requirements listed in this
document are the minimum levels of knowledge, skills or abilities. This
document does not create an employment contract, implied or otherwise, other
than an “at will” relationship.
FIRST GUARANTY BANK is an EEO employer - M/F/Vets/Disabled