Relationship Banker
Company: Old National Bank
Location: Lawrenceburg
Posted on: October 23, 2024
Job Description:
Relationship Banker
Job Locations
US-TN-Lawrenceburg
Category/Function
Retail Banking Center
Position Type
Regular Full-Time
Requisition ID
2024-15304
Workplace Type
On Site
Overview
Old National Bank has been serving clients and communities since
1834. With $50 billion in total assets, we are a regional
powerhouse deeply rooted in the communities we serve. As a trusted
partner, we thrive on helping our clients achieve their goals and
dreams, and we are committed to social responsibility and investing
in our communities through volunteering and charitable giving. Our
team members are our greatest asset, and we continually invest in
their growth and development. We offer a variety of Impact Network
Groups led by team members who are passionate about driving
engagement, creating awareness of diverse backgrounds and
experiences, and building inclusion across the organization. The
Relationship Banker develops and cultivates long-term client
relationships by providing insight, advice, and personalized
financial solutions for their clients. Relationship Bankers are
responsible for retaining and deepening existing client
relationships through cross-selling, establishing new banking
relationships, referring clients to product partners (e.g.,
Mortgage, Investments, Small Business, Treasury Management,
Merchant Services, Private Banking, Wealth Management, Commercial),
educating clients on digital solutions, providing account servicing
and maintenance, effectively resolving client servicing issues, and
processing. Relationship Bankers are active in their communities
through outreach efforts and through service with community
organizations. Key Accountabilities Develop and grow client and
prospective client relationships
- Consults with clients/prospective
clients over the lifecycle of the relationship to uncover needs,
educate, and advise on product and service alternatives that align
with the client's financial objectives.
- Cross sells products and services and refers to business
product partners to ensure client needs are met.
- Maintains contact with client base through periodic proactive
touch points (on-boarding, service follow up, etc.)Achieve Sales
and Service Targets
- Markets a full range of consumer and
small business banking services to existing and prospective clients
through proactive techniques such as lobby engagement, outbound
telephone calls, marketing campaigns, or in-house events; may
occasionally participate in outside sales calls.
- Maintains well-developed knowledge of all products and services
and effectively applies that knowledge to understand and fulfill
client needs.
- Proactively seeks coaching to develop service and sales skills;
shares knowledge and best practices to enhance the team's skills
and performance.Operations Oversight
- Proactively resolves moderate to
complex customer maintenance and/or client service problems using
available resources for problem resolution, including analysis and
understanding of information received from other internal
departments such as Loan Operations, Deposit Operations, Internal
Bank Support, Reconcilement, Risk Management, etc.
- Maintains and demonstrates in-depth knowledge of the different
banking channels and educates clients on emerging technology and
digital solutions including mobile, online, and ATM offerings to
enhance their service experience.
- Executes all sales, service, and banking transactions
accurately and in compliance with bank policies, procedures, and
regulatory requirements.
- Follows all fraud prevention procedures and attends training to
stay up-to-date on evolving fraud tactics. Key Competencies for
Position Culture Leadership:
Communication - applies active
listening skills and skillful use of questions to understand the
client's situation, needs, and desired outcome(s); adapts
communication style and approach to accommodate individual needs
and preferences.Collaboration - seeks, develops, and maintains
trusted relationships with others to achieve business
goals/objectives; shares knowledge, information, ideas, and
suggestions to accomplish mutual goals.Execution Leadership:
Drive and Execution - Committed to
achieving established goals, overcoming obstacles, and continuously
learning; focuses on ways to succeed by changing strategies,
increasing effort, using varying approaches; leverages
opportunities to collaborate with others to achieve results;
consistently achieves performance targets.Problem
Resolution/Decision-Making - With minimal oversight, seeks to
identify what caused an issue; incorporates input from multiple
sources to ensure effective action and shared ownership; decisions
are sound based on what was known at the time and based on a blend
of analysis, wisdom, experience, and judgement.Client Leadership:
Client Leadership - Puts the client
at the forefront of everything they do; continually seeks
first-hand client information and perspective and uses this insight
to shape one's own behaviors and actions; examines implications of
decisions and actions from the perspective of the client before
acting. Key Measures of Success/Key Deliverables
- Executes strategies to improve client
retention including cross-selling products and services, proactive
personalized outreach, effective resolution of servicing issues,
monitor and seek client feedback, etc.
- Contributes to the banking center's financial success by
achieving targets for loan production, new account production, line
of business referrals, and digital banking enrollment.
- Acquires new Community Bank relationships through cultivating a
strong referral network and outreach efforts.Position LevelsThere
are two levels of Relationship Banker, depending on banking
experience including client service, deposit, and lending
experience. Bankers must demonstrate completion of required
training programs, licensing or specialized training, and
acceptable performance to goals to be considered for further
advancement. Licensing or registrations must be maintained current
and in good standing in accordance with program guidelines.
Positions may be based at a specific banking center or be a
"Market" position that supports all banking centers in a defined
market. Relationship Banker
- Demonstrates ability to handle all
transactions, servicing needs and inquiries upon completion of
required training.
- Must achieve account opening goals, partner referrals, lending
and credit card goals along with completing quality Client
Financial Profiles.Qualifications and Education Requirements
- High School diploma or GED Equivalent
- Minimum one year relationship-based client consultation and/or
consultative sales experience (banking industry a plus)
- Eligible to register with the National Mortgage Licensing
System and Registry (NMLS) or currently NMLS
registered.Relationship Banker II
- Experienced bankers who have
successfully completed the requirements of a Relationship Banker,
including all new hire training and the Relationship Banker
Learning Path within defined timeframes, or bankers with existing
experience in a similar role at another financial institution,
including NMLS registered.
- Demonstrates consultative sales skills and strong service
levels to build and deepen client relationships.
- Consistently meets or exceeds account opening and lending
goals, credit card goals, partner referrals, and quality Client
Financial Profiles.
- May manage an assigned client portfolio to handle all consumer
banking relationship needs.
- Encouraged to participate in their community through service in
a Community Organization, Not-for-Profit volunteer,
Business-Related Networking groups, or similar organizations.
- Completes Relationship Banker Development Program to
demonstrate advanced proficiency in role.Qualifications and
Education Requirements
- High School diploma or GED
EquivalentMinimum one year relationship-based client consultation
and/or consultative sales experience
- Minimum one year banking experience including
deposit/transaction processing, account servicing, new account
opening and consumer lending
- Currently registered with the National Mortgage Licensing
System and Registry (NMLS) or previously registered and eligible to
immediately re-register.Old National is proud to be an equal
opportunity employer focused on fostering an inclusive workplace
and committed to hiring a workforce comprised of diverse
backgrounds, cultures and thinking styles. As such, all qualified
applicants will receive consideration for employment without regard
to race, color, religion, sex, national origin, protected veteran
status, status as a qualified individual with disability, sexual
orientation, gender identity or any other characteristic protected
by law. We do not accept resumes from external staffing agencies or
independent recruiters for any of our openings unless we have an
agreement signed by the Director of Talent Acquisition, SVP, to
fill a specific position. Our culture is firmly rooted in our core
values.We are optimistic. We are collaborative. We are inclusive.
We are agile. We are ethical.We are Old National Bank. Join our
team!
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Keywords: Old National Bank, Decatur , Relationship Banker, Other , Lawrenceburg, Alabama
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