Consumer Banker

Job Location: Omaha, NE – 18924 Evans St., Omaha, NE 68022 or 16949 Lakeside Hills Plz., Omaha, NE 68130

Hours: Monday – Friday, 8 am – 5 pm. Work location: in-office daily; flexible hours subject to supervisor approval.

About the Role

The Consumer Banker is responsible for independently managing and developing client relationships through a holistic approach by evaluating individual financial circumstances, identifying financial needs, analyzing credit and deposit opportunities, and recommending and structuring appropriate banking and lending solutions. The position exercises independent judgment in credit analysis and lending decisions within delegated authority and provides individualized financial recommendations consistent with client objectives, Bank policies, credit standards, and regulatory requirements. The Consumer Banker serves as a trusted financial resource to clients while supporting the Bank's growth in core deposits, consumer lending, and overall relationship value.

Responsibilities

• Develop, cultivate, and expand relationships by providing consistent and effective communication and services to new and existing customers. Proactively identify client financial needs, evaluate appropriate banking and lending solutions, provide individualized recommendations, and maintain long-term client relationships.
• Manage existing client relationships by assessing financial circumstances, objectives, risk considerations, and existing banking relationships to identify opportunities or required adjustments. Evaluate appropriate deposit and lending solutions.
• Recommend and structure financial products and services based on individual client circumstances, explaining advantages, disadvantages, costs, risks, and implications of available alternatives.
• Connect clients to bank service centers as appropriate to achieve client-approved solutions.
• Achieve established relationship-management, client-service, deposit-growth, and loan-production objectives through consultative financial needs analysis, individualized recommendations, and relationship development.
• Evaluate and make independent credit decisions within delegated lending authority by analyzing borrower financial information, credit history, debt service capacity, collateral, loan-to-value ratios, repayment sources, and risk factors.
• Determine appropriate credit structures, terms, conditions, and risk mitigations within established bank policy and regulatory requirements.
• Gather client information to facilitate account opening, including completion of loan applications and collection of required documentation for credit decisions and deposit accounts.
• Implement client-approved deposit and lending solutions, including opening and servicing deposit accounts (e.g., checking, savings, certificates of deposit, health savings accounts, IRAs, safe deposit boxes) in accordance with bank policies and regulatory requirements.
• Facilitate a 2x2x2 follow-up process to deepen relationships and identify additional financial needs and opportunities within existing client relationships.
• Recommend appropriate bank products, services, or resources when they reasonably benefit the client.
• Greet customers, deliver prompt and efficient service, and provide information about bank products and services.
• Partner with retail, consumer, and commercial bankers, providing direct and backup support as necessary.
• Actively participate in client and potential new client meetings.
• Handle customer complaints with appropriate action to resolve them.
• Understand features and benefits of banking and lending products, including deposits, certificates of deposit, credit cards, residential mortgage products, home equity lines of credit, securities-based loans, high net worth tailored lending products, and commercial credit products.
• Represent the bank in the community through networking, speaking/presenting, events, and professional involvement to generate new client relationships and deepen existing ones.
• Project a professional image in dress, manner, communication, and focus.
• Demonstrate commitment, dependability, and respect for team members, including regular and predictable attendance, punctuality, and adherence to agreed-upon schedules.
• Perform physical requirements as described in the Physical Requirements section.
• Complete special projects and other duties as assigned.

Requirements

• Bachelor’s degree or equivalent work experience.
• Minimum two years of lending (consumer or commercial) and deposit services experience with direct experience in loan origination and deposit growth in the financial services industry.
• Demonstrated experience in credit underwriting, reviewing consumer loan applications, calculating and reviewing debt-to-income ratios, LTV collateral calculations, and credit bureau reviews.
• Demonstrated success in building lasting client relationships and meeting production goals.
• Ability to communicate professionally with external customers and internal employees.
• Outgoing and self-motivated with strong verbal and written communication skills.
• Knowledge of bank compliance, regulations, and underwriting guidelines.
• Patience and problem-solving ability.
• Proficient in organizing, facilitating, leading, and negotiating with customers and team members.

Preferred Qualifications

• Strong consultative sales and relationship management skills.
• Strong knowledge of deposit and loan products.
• Strong sales and new business development skills.
• Thorough knowledge of private banking products and services, including credit processes.
• Strong networking and business development skills.
• Ability to partner with clients to identify and service unique customer needs.
• Excellent presentation, verbal, and written communication skills.
• Experience working within the Encompass platform.
• Strong organizational and critical thinking skills.

Work Environment

Work is performed in an office setting. Flexible hours are subject to supervisor approval. No adverse environmental conditions are expected.

Physical Demands

• Sedentary work primarily involving sitting or standing.
• Remaining in a stationary position, often standing or sitting for prolonged periods.
• Communicating (talking/hearing) with others to exchange information.
• Repeating motions that may include the wrists, hands, and/or fingers.
• Ability to view a computer screen.
• Capacity to use critical thinking, judgment, and discretion.
• Assessing the accuracy, neatness, and thoroughness of assigned work.

Schedule

Monday – Friday, 8 am – 5 pm. In-office daily; flexible hours subject to supervisor approval.