Relationship Banker

First Horizon Bank; Hickory (NC); On-site; USD 32,000 - 52,000; Full time

Job summary

First Horizon Corp. in Hickory, NC is seeking a Universal Banker/Teller to engage customers, process transactions, and promote banking products. You will support sales initiatives, assist with deposits and loans, and refer clients to other bank lines to build relationships.

Responsibilities include delivering excellent client experiences, staying current on product knowledge, and complying with bank policies and regulatory requirements while supporting the management team.

Qualifications

• High school diploma or GED is required.
• 2–5 years of Universal Banker or Teller experience.

Responsibilities

• Engage clients in consultative conversations to understand financial priorities and recommend banking solutions.
• Identify and fulfill client deposit and borrowing needs, guiding options and opening accounts.
• Provide personalized financial guidance aligned with clients’ goals and bank offerings.
• Recognize opportunities to deepen relationships through referrals to mortgage, wealth, private client and business banking.
• Conduct regular outreach to clients and prospects to offer tailored financial solutions.
• Coach associates on sales, referrals, products and services to sustain a high-performing team.
• Support teller line to minimize customer wait times and perform transactions as needed.
• Assist with on‑the‑job training of new associates and ensure compliance with policies.

Skills

Customer service

Communication

Education

High school diploma or GED

Tools

Microsoft Office Suite

Salesforce

Job description

ESSENTIAL DUTIES AND RESPONSIBILITIES

Sales and Business Development

• Proactive Sales Engagement: Engage clients in consultative conversations to understand financial priorities and recommend personalized banking solutions, with an emphasis on deposit accounts, loans and lines of credit, and referrals to other lines of business within the Bank.
• Growth Focus: Actively identify and fulfill client deposit and borrowing needs, guiding clients through deposit and loan options, opening deposit accounts, and taking loan applications.
• Client-Centric Financial Advice: Through a consultative approach, provide personalized financial advice that aligns with clients’ short-and-long term goals. Utilize a deep understanding of the bank’s products and services while sharing comprehensive, tailored advice that enhance client satisfaction and loyalty.
• Referrals: Recognize opportunities to deepen relationships with additional products and services and make referrals to bank partners, including but not limited to mortgage, wealth, private client, and business banking.
• Proactive Client Outreach: Conduct regular calls to clients and prospects to offer tailored financial solutions.
• Sales Leadership: Support a high-performing culture by coaching associates on sales, referrals, products and services as needed.

Client experience

• Responsible for supporting the teller line to keep the customer wait time to a minimum (performs processing of financial transactions as needed).
• Deliver excellent client experiences consistently and promptly resolve client issues effectively.
• Enhance individual knowledge to better serve clients by attending relevant sales, service, and product knowledge meetings, training classes, and web-based learning.

Compliance and risk management

• Expected compliance with bank regulations, policies, procedures, risk management, internal controls, and the First Horizon code of ethics.

Operational efficiency

• Assist in conducting and/or participating in meetings to promote sales, product knowledge and customer service.
• Assist banking center management with “on the job training” of new associates.
• Assist with dual control vault responsibilities and audit controls.
• Stay informed of all operational updates and changes to ensure compliance with all current guidelines.

Perform all other job related duties as assigned.

SUPERVISORY RESPONSIBILITIES

No supervisory responsibilities

QUALIFICATIONS

To perform this job successfully, an individual must be able to perform each essential duty satisfactorily. The qualifications listed below are representative of the knowledge, skill, and/or ability required.

• High school diploma or general education degree (GED)
• 2 – 5 years of experience as a Universal Banker or Teller

COMPUTER AND OFFICE EQUIPMENT SKILLS

Microsoft Office Suite, Salesforce

CERTIFICATES, LICENSES, REGISTRATIONS (Ex: CPA, Series 6 or 7 license, etc)

None required.

As part of the employment process for this position, you will have to meet the requirements of a background credit check. This position requires compliance with the S.A.F.E Mortgage Licensing Act of 2008 and all related regulations. Ongoing employment is contingent upon meeting all such requirements.