Relationship Banker II | Chesterfield

About the Role

The Relationship Banker II combines expertise in customer service, sales, and operational management at an elevated skill level within the banking team. This advanced role blends the responsibilities of a teller and a personal banker, with an emphasis on providing comprehensive financial services to customers. The position requires deeper knowledge of banking products, customer service, and operational processes, handling more complex transactions, and providing guidance to less experienced staff while building customer relationships and promoting the bank’s services.

Responsibilities

• Customer Service & Relationship Management
  • Greet and engage customers in a friendly and professional manner, providing exceptional service to build lasting relationships.
  • Serve as a trusted point of contact for customers, ensuring the highest level of service.
  • Develop and maintain strong customer relationships through personalized service and proactive outreach, assisting with both routine and complex banking needs.
  • Provide guidance to customers on financial products and services that best meet their needs.
• Sales & Cross-Selling
  • Actively identify and promote all bank products and services.
  • Ask clients targeted questions to learn about their financial needs and goals.
  • Meet and exceed monthly sales and referral goals by engaging with customers to assess needs and recommend suitable banking solutions.
  • Proactively seek opportunities to refer customers to other lines of business such as mortgage, wealth, treasury, and commercial.
• Account Management and Support
  • Open and manage personal and business accounts, ensuring the account setup is accurate and compliant with regulatory requirements.
  • Assist with account maintenance tasks, such as updating personal information, assisting with transfers, and processing check orders.
  • Support customers with online and mobile banking services, ensuring they are comfortable and knowledgeable about digital banking tools.
• Loan & Credit Processing
  • Process and assist with customer loan applications, including personal loans and home equity lines of credit.
  • Conduct initial loan screenings, gather necessary documentation, and work closely with loan officers or other departments to ensure a smooth loan approval process.
  • Educate customers on loan products, eligibility requirements, and loan terms.
• Transactions & Cash Handling
  • Process transactions with a high degree of accuracy.
  • Balance cash drawer and ensure transactions are accurately recorded and processed.
• Compliance & Risk Management
  • Ensure compliance with all bank policies, procedures, and regulatory requirements, particularly in relation to financial transactions and customer interactions.
  • Monitor and detect any suspicious or potentially fraudulent activity, escalating issues to management and other departments as appropriate.
  • Adhere to privacy regulations and ensure customer data is handled securely and confidentially.
• Team Support and Mentorship
  • Assist newer staff by providing guidance on bank products, customer service skills, and operational procedures.
  • Help foster a collaborative and positive work environment by sharing knowledge and assisting with day-to-day operational needs.
• Branch Operations & Administrative Support
  • Assist with daily branch operational tasks, including balancing cash, managing branch supplies, and supporting the opening and closing of the branch.
  • Support branch leadership in maintaining branch security and ensuring operational efficiency.

Requirements

• High School diploma required.
• 2 years of banking experience with lending responsibilities.
• 1 year of previous training and/or combination of mentorship, military, or management experience.
• Knowledge of Microsoft Office.
• Pursuant to the Secure and Fair Enforcement for Mortgage Licensing Act (“SAFE Act”), all Relationship Bankers (if lending) are required to maintain current registration with the Nationwide Mortgage Licensing System & Registry (“NMLS”). If such registration is not active as of the hire date, the Relationship Banker must immediately attain active registration upon employment. Failure to maintain an active and current registration will result in inability to lend and may lead to disciplinary action, up to and including termination of employment.

Skills

• Strong sales and customer service skills.
• Strong oral and written communication skills.
• Basic math and accounting functions.
• Understanding of the basic tenets of lending and assessing a customer’s financial needs.
• Ability to accurately count money.
• Ability to perform duties and make decisions under frequent time pressures.
• Ability to stand for extended periods of time.
• Ability to lift 50 pounds.
• Ability to explain products and services to current and potential customers.

Pay

Base pay range: $19.75–$23.00 per hour. Salary offered is based on factors including job duties, required qualifications, relevant experience, and local market trends. The role may be eligible for bonus or incentives based on company and individual performance.

Benefits

• Competitive Total Rewards package, including:
• 401(k) match.
• Profit sharing.
• Employee stock purchase plan.
• Paid time off.
• Medical, dental, and vision insurance.
• Company-paid life insurance and long-term disability.
• Supplemental voluntary life insurance.
• Short-term and long-term disability.
• Wellness incentives.
• Employee assistance program.
• Pre-tax health savings accounts and flexible spending accounts (for eligible associates).