Banking Relationship Spc

Our first customer contact and one of the key people to set the tone of service and sales at the branch level. The Banking Relationship Specialist maintains a professional image and follows standard operational, services, and sales processes to deliver a white-glove customer experience that exceeds expectations.

Responsibilities

• Consult with clients and prospects about their financial goals and needs; identify and promote F&M products and services to best meet those needs.
• Actively cross-sell bank products by leveraging sales opportunities in assigned branch and by referring clients to other F&M departments for additional needs.
• Address and resolve customer concerns and questions both in person and via telephone pertaining to account activity; perform customer research.
• Review customers’ accounts and answer questions both in person and via telephone.
• Open new personal and business accounts and/or perform maintenance in compliance with established policies and procedures.
• Explain bank procedures and requirements; prioritize work to maximize customer service, handle frequent interruptions, and utilize strong problem-solving skills.
• Support new marketing campaigns and product launches.
• Quote rates, terms, and fees on bank products and services.
• Collect and review all account documentation and assume responsibility for its proper completion.
• Identify transactions with potential fraud or suspected Elder Abuse and notify Branch Management.
• Take personal responsibility for developing and maintaining knowledge required to fulfill job functions.
• Perform outbound client contact to establish and build relationships.
• Perform file maintenance as a non-essential duty.

Requirements

• High School Diploma or equivalent required.
• Preferred: 1-2 years of teller experience and 4+ years of New Accounts/Sales Experience.
• Professional business attire.
• Ability to travel to various bank locations as needed.
• Saturday hours are required to meet business needs regardless of primary location business hours.

Knowledge

• Regulation CC
• Regulation DD
• Regulation E (EFT) Overview
• Regulation BB (CRA) Overview
• Regulation B (ECOA) Overview
• Regulation C (HMDA) Overview
• Regulation X (RESPA) Overview
• Regulation Z (Truth in Lending) Overview
• Bank Secrecy Act
• FDIC Insurance
• Privacy Laws
• Teller Operations and Procedure
• Complaint Documentation Policy
• Compliance with all State and Federal Banking regulatory requirements, including but not limited to: BSA, Anti-Money Laundering, OFAC, CIP, Financial Elder Abuse Reporting, Sexual Harassment, Information Security, and privacy requirements.
• Elevate suspicious activity to supervisory staff and/or BSA department.
• Complete compliance and other technical training workshops as assigned.

Skills

• Clear understanding of the English Language (Spoken & Written).
• Basic Mathematics Skills.
• Customer Service Skills.
• Business Development Skills.
• Basic Sales Skills.
• Critical Thinking, Judgment & Problem-Solving Skills.
• Ability to actively listen & learn.
• Ability to use oral communication techniques to sell products or services.
• Ability to respectfully communicate with Supervisors and Co-workers.
• Ability to effectively deal with unpleasant, angry, or discourteous people.

Equipment Operated

• Desktop Computers
• Currency Machines
• Scanners
• Teller Cash Recyclers
• Standard Office Equipment (copiers, fax machines)

Physical Requirements & Work Environment

• Requires repetitive movement.
• Requires sitting for prolonged periods of time.
• Requires lifting up to 25 lb.
• Requires using hands to handle, control, or feel objects.
• Office setting with controlled temperature.