Banking Relationship Specialist

Farmers & Merchants Bank of Long Beach; Lake Forest (CA); On-site; USD 40,000 - 60,000; Full time

Job summary

A regional banking institution based in Lake Forest, California is seeking a Banking Relationship Specialist. You will be the first point of contact for customers, focusing on identification of their financial needs and cross-selling appropriate products. Candidates should possess a high school diploma and ideally have 1-2 years of teller experience along with strong customer service and sales skills. This role requires strong compliance with banking regulations and a professional appearance.

Qualifications

• 1-2 years of teller experience and 4+ years of New Accounts/Sales experience preferred.
• Clear understanding of the English Language (Spoken & Written).
• Ability to effectively communicate with Supervisors and Co-workers.

Responsibilities

• Consult with clients about their financial goals and needs.
• Cross-sell bank products by leveraging sales opportunities.
• Address and resolve customer concerns both in person and via telephone.

Skills

Customer Service Skills

Sales Skills

Critical Thinking

Basic Mathematics Skills

Education

High School Diploma or equivalent

Tools

Desk Top Computers

Currency Machines

Job description

The Banking Relationship Specialist is our first customer contact and one of the key people to set the tone of service and sales at the branch level. They will maintain a professional image and follow standard operational, services and sales processes, including using the sales road map to make appropriate needs analysis, provide recommendations and solutions for those needs, cross sell the appropriate bank products and services, and delivering a white glove customer experience that exceeds expectations.

• Consult with clients and prospects about their financial goals and needs, and 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 and perform customer research.
• Review customers’ accounts and answer customers’ questions both in person and via telephone pertaining to account activity and perform customer research.
• 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, ability to deal with 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.

Banking Relationship Specialist Levels & Classifications

The Banking Relationship Specialist position has multiple levels, and each level is defined in the Banking Relationship Specialist Classifications document. The Banking Relationship Specialist Classifications document will include additional essential duties and required knowledge and skills for each level.

• File Maintenance

Required 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

Complies 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. This position will elevate suspicious activity to supervisory staff and/or BSA department. Completes compliance and other technical training workshops as assigned.

Basic Knowledge, Skills and Abilities:

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 Operate

• Desk Top Computers
• Currency Machines
• Scanners
• Teller Cash Recyclers

Physical Requirements & Work Environment:

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

Education and Experience:

• High School Diploma or equivalent required
• Preferred candidate should possess 1-2 years of teller experience and 4+ years of New Accounts/Sales Experience

Additional Requirements:

• 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

This job description is not intended to be all-inclusive, and employees will also perform other duties as assigned by management as required.

Farmers and Merchants Bank of Long Beach reserves the right to revise or change job duties and responsibilities as the need arises. This job description does not constitute a written or implied contract of employment.