Float Relationship Banker

Jobtailor; Palo Alto (CA); On-site; USD 70,000 - 100,000; Full time

Job summary

U.S. Bank is seeking a customer-focused Relationship Banker to build durable client relationships through face-to-face meetings and proactive outreach. You will assess banking needs, educate clients on deposits, loans, and digital tools, and guide customers toward appropriate financial solutions.

The role includes opening accounts, originating consumer loans, and collaborating with branch teams to ensure accurate, efficient service. Strong communication and NMLS compliance are required.

Qualifications

• Experience building client relationships and proactive outreach.
• Knowledge of retail banking products and services.
• Ability to educate clients on digital banking options.

Responsibilities

• Build relationships with customers through face-to-face meetings and engagement where they need counsel.
• Assess and attend to customers’ banking needs.
• Obtain and process customer and account information.
• Educate clients on deposit and loan products and services.
• Recommend financial solutions based on customers’ goals and needs.
• Originate and close consumer loans.
• Open accounts and open and/or close the branch.
• Build and foster client relationships through proactive outreach and follow-up.
• Identify solutions for new and existing clients.
• Maintain working knowledge of consumer and business banking products and digital services.
• Greet clients and process basic transactions.
• Develop collaborative partnerships with branch team members and partners.
• Open consumer and business accounts, complete service requests, and submit credit applications.
• Educate clients on emerging and self-service digital products.
• Leverage resources and technologies to optimize client experience and operational accuracy.

Skills

Relationship building

Client communication

Sales & promotions

Digital product proficiency

Interpersonal skills

Proactive outreach

Education

High school diploma or equivalent

Tools

Digital banking tools

CRM systems

Job description

• Build relationships with customers through face-to-face meetings and engagement where they need counsel
• Assess and attend to customers’ banking needs
• Obtain and process customer and account information
• Educate clients on deposit and loan products and services
• Recommend financial solutions based on customers’ goals and needs
• Originate and close consumer loans
• Open accounts and open and/or close the branch
• Build and foster client relationships through proactive outreach and follow-up
• Identify solutions for new and existing clients
• Maintain working knowledge of consumer and business banking products and digital services
• Greet clients and process basic transactions
• Develop collaborative partnerships with branch team members and partners
• Open consumer and business accounts, complete service requests, and submit credit applications
• Educate clients on emerging and self-service digital products
• Leverage resources and technologies to optimize client experience and operational accuracy

Requirements

• High school diploma or equivalent
• Relationship Banker 2: Typically has a minimum four to five years of job-related, retail banking experience or a combination of experience and commensurate training
• Senior Relationship Banker: Typically has five or more years of job-related, retail banking experience or a combination of experience and commensurate training
• Proven ability to build and foster relationships with clients through proactive outreach and follow up
• Ability to effectively engage and communicate with clients
• Thorough or advanced knowledge of applicable bank and branch policies, procedures and support systems
• Thorough knowledge of all retail products and services
• Proven customer service and interpersonal skills
• Experience in participating in sales campaigns/promotions
• Experience using and demonstrating digital products and self-service technologies
• Ability to explore and identify a customer’s true needs while leveraging a digital-first mindset
• Demonstrated advanced proficiency in making appropriate recommendations that meet customer needs reactively and proactively
• Experience in the financial services industry preferred
• National Mortgage Licensing System (NMLS) registration required under the S.A.F.E. Act of 2008 and Regulation Z
• Required NMLS registration process includes a criminal background and credit check
• Ability to comply with U.S. Bank policies and procedures, including the Code of Ethics and Business Conduct and workplace conduct and safety policies

Core Competencies

Demonstrates advanced proficiency in building client relationships and providing tailored financial solutions, leveraging thorough knowledge of retail banking products and digital services. Proven ability to engage clients effectively and comply with banking regulations and policies.

Highest-signal resume keywords

• Retail Banking Experience
• Client Relationship Management
• Financial Solutions Recommendation
• NMLS Registration
• Digital Product Proficiency

ATS Optimization Keywords

Hard Skills

• Consumer Loan Origination
• Account Opening and Closing
• Banking Policies and Procedures
• Sales Campaign Participation
• Customer Needs Assessment

Soft Skills

• Interpersonal Skills
• Customer Service
• Effective Communication
• Proactive Outreach
• Collaboration

Certifications & Qualifications

• NMLS Registration

Industry Keywords

• Financial Services
• Retail Products and Services
• Branch Operations
• Code of Ethics
• Workplace Conduct Policies

Tools & Technologies

• Digital Banking Products
• Self-Service Technologies