• Relationship Banker

    Village Bank - Blaine
    Job Description
    Relationship Banker
    Full TimeBlaine, MN, US
    Requisition ID : 1086

    Position Summary:

    Responsible for contributing to the growth of the office by developing lasting deposit and loan relationships. Duties include developing and maintaining account relationships with new and existing customers through actively promoting and selling bank products and services along with managing all aspects of the customer relationship. Job performance will be evaluated based on measurable criteria including, but not limited to, number of accounts opened, types of accounts opened, dollar value and number of customer relationships managed.

     

    Duties and Responsibilities:

     

     

    1. Develop and maintain account relationships with new and existing customers through actively promoting and selling bank products and services, with a strong focus on consumer lending.
    2. Manage all aspects of the deposit account relationship including the opening of new business and consumer accounts, negotiating rate and fee structure, reviewing with the Sr. Relationship Banker as necessary and maintaining ongoing customer contact.
    3. Support the bank’s strong relationship banking culture through on-going customer contact, quality customer service, and superior product knowledge.
    4. Provide customer assistance in all areas including account balancing, wire transfers, transfers of funds, notarizing documents, retrieval of prior months’ bank statements, stop payment requests, online banking, etc.
    5. Resolve customer inquiries and complaints as necessary, including working with other departments within the bank to obtain error resolution.

     

    Customer Service:

    1. Demonstrate superior customer service in accordance with Village Bank Customer Service Performance Standards specifically in the following areas: 

      1. Energetic awareness of approaching customers

      2. Smiles and pleasantly greets customers

      3. Professionalism of both work area and personal appearance.

      4. Focused on customer (not distracted by visiting with others)

      5. Uses customer’s name

      6. Confidentiality

      7. Thanks customer sincerely

     

    Other:

     

    1. Attend required training sessions to develop relevant knowledge and skills
    2. Attend bank meetings when requested.
    3. Promote Village Bank through attendance and participation with community organizations, charitable events, civic groups, etc.
    4. Support and demonstrate the Mission, Vision and Core Values of Village Bank.
    5. Adhere to relevant health and safety laws and policies.
    6. Attendance is considered an essential function of the job.
    7. Other duties as assigned by Sr. Relationship Banker.

     

    Expectations

    • Performs job accountabilities with a high level of accuracy and timeliness.

    • Maintains knowledge and understanding of Internal Service Standards for the department and departments that are a part of the workflow for this position.

    • Provides open communication to supervisor or manager when Service Standards cannot be met due to training needs, equipment problems, quality of work received from others. 

    • Develops and maintains knowledge of compliance and internal control requirements necessary to complete the job.

    • Performs duties in compliance with policy, procedure and process.

     

    Key Performance Competencies

     

    • Customer Service:  Shows commitment to providing above average and excellent customer service to external and internal customers.  Adheres to service expectations defined in the Bank’s Service Program.  Establishes and maintains strong customer relationships.  Conducts relationships in a manner that enhances the Bank’s Mission and Values Statements. 
    • Compliance:  Understands and applies federal regulatory requirements to daily responsibilities in the following areas:
    • Regulation B: Equal Credit Opportunity Act

    • Regulation C: Home Mortgage Disclosure Act

    • Regulation D: Reserve Requirements of Depository Institutions

    • Regulation E: Electronic Funds Transfers

    • Regulation F: Fair Debt Collection Practices Act

    • Regulation G: SAFE Mortgage Licensing Act

    • Regulation P: Privacy of Consumer Financial Institutions

    • Regulation V: Fair Credit Reporting, (including FACTA and the Bank’s ITP Program)

    • Regulation X: Real Estate Settlement Protection Act

    • Regulation Z: Truth In Lending

    • Regulation AA: Unfair or Deceptive Abuses, Acts and Practices

    • Regulation CC: Availability of Funds and Collection of Checks

    • Regulation DD: Truth In Savings

    • Regulation GG: Prohibition on Funding of Unlawful Internet Gambling

    • Flood Insurance regulations

    • Bank Secrecy Act / Anti Money Laundering requirements

    • Right to Financial Privacy Act

    • Electronic Signatures In Global and National Commerce (E-SIGN) Act

    • Garnishment of Accounts Containing Federal Benefit Payments (31 CFR Part 212)

    • Servicemembers Civil Relief Act

    • FDIC Regulations: Advertisement of Membership and Deposit Insurance Coverage

     

    • Teamwork:  Develops and maintains positive working relationships; listens effectively and asks for clarification when needed.  Actively pursues objectives and works with others to achieve department and Bank goals.  Shows respect and responsiveness.  Adheres to attendance and punctuality guidelines.
    • Results Orientation:  Plans, organizes and uses time, technology and resources efficiently.  Follows through on accountabilities including meeting quantity and quality expectations.  Works on highest priority activities.  Demonstrates ability to shift priorities and reorganize efforts as circumstances change.  Works at level that allows for achievement of company, department and/or individual goals.
    • Competence:  Demonstrates knowledge and skills required for the position.  Handles job accountabilities within policy, procedure and in compliance to applicable rules and regulations.  Shows continued commitment to developing skills.  Able to handle multiple priorities.  Is accountable and takes ownership when problems arise, solutions are needed, or changes are necessary.
    • Professionalism:  Provides a professional experience for internal and external customers.  Demonstrates professional knowledge, service, appearance and communication.  Upholds confidentiality for customer records at all times.

     

     

    Job Specifications

     

    1. Education:       Associates/Bachelors degree preferred, High School Diploma

     

                            Required.

     

    1. Experience:     Previous financial institution customer service experience

     

                            required.  Specifically in the areas of new accounts.

     

    1. Skills:               Knowledge of business sales development                 

     

                                              Interpersonal Communication

     

                                                    Strong leadership skills

     

                                                    Confidentiality

     

                                                    Customer/Sales Orientation

     

                                                    Knowledge of banker and teller functions

     

                                                    Knowledge of bank products and services

     

                                  Working knowledge of Microsoft Office products

     

     

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