Relationship Banker

First Horizon Bank; Memphis (TN); On-site; USD 42,000 - 64,000; Full time

Job summary

First Horizon Bank in Memphis seeks a Relationship Banker to engage clients in consultative conversations, understand financial goals, and promote the bank’s products and services. You will strengthen relationships through personalized advice and proactive sales while supporting the banking center’s sales goals.

This on-site role emphasizes deposits, loans, referrals, and delivering excellent client experiences with timely service while working with teammates to meet client needs and comply with

Qualifications

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

Responsibilities

• Proactively engage clients in consultative conversations to understand financial priorities and promote banking solutions.
• Identify and fulfill client deposit and borrowing needs, guide loan options and process applications.
• Provide personalized financial advice aligned with clients' goals and cross-sell across bank lines.
• Conduct regular outreach to clients and referrals to bank partners, including mortgage and wealth services.
• Support sales culture by coaching associates on referrals, products and service quality.

Education

High School Diploma or GED

Tools

Microsoft Office Suite

Salesforce

Job description

Job Description

Location: On site at location listed in job posting.

Schedule: Monday - Thursday 9:30am - 4:30pm | Friday 8:15am - 5:00pm | Saturday 9:00am - 1:00pm Rotating

Summary

The Relationship Banker is a trusted advisor who engages clients in meaningful, consultative conversations to understand their financial goals and align on solutions that meet their needs. In this role, you will drive growth by actively promoting and selling the bank’s products and services. This role emphasizes deepening client relationships through excellent service, personalized advice, and proactive sales while supporting the banking center’s overall sales goals. This role performs moderately complex to complex tasks.

Essential Duties And Responsibilities

• 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.

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

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