Relationship Banker

First Horizon Bank; Memphis (TN); On-site; USD 45,000 - 65,000; Full time

Benefits offered by this job

Medical with wellness incentives

HSA with company match

Maternity and parental leave

Tuition reimbursement

Mentor program

401(k) with 6% match

Job summary

First Horizon Bank is seeking a Relationship Banker to engage clients in consultative conversations, understand their financial goals, and promote banking solutions. You will deepen relationships through proactive service and personalized advice while supporting sales goals.

The role emphasizes handling complex duties, with a focus on deposits, loans, referrals, and excellent client experiences in a busy banking center.

Qualifications

• Requires high school diploma or GED.
• 5+ years of experience in related banking roles.
• Bilingual in English and Spanish and/or Vietnamese strongly preferred.

Responsibilities

• Engage clients in consultative conversations to understand financial priorities and recommend personalized banking solutions.
• Identify and fulfill deposit and borrowing needs, guiding clients through options and applications.
• Provide tailored financial advice aligning with clients' goals and promote bank products and services.

Skills

Consultative sales

Bilingual English/Spanish/Vietnamese

Client relationship management

Education

High school diploma or GED

Tools

Microsoft Office Suite

Salesforce

Job description

Location: Onsite at the location listed in the job posting.

Weekly Hours: Monday-Thursday 8:30AM-4:45PM, Friday 8:30AM-5:15PM, Saturday 8:45AM-12:15PM

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 the most complex assignments.

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 enhances 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 meetings to promote sales, product knowledge and customer service. Assist Banking Center Manager with training personnel.
• 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)
• 5+ years of experience

Preferred Qualification

• Bilingual in English and Spanish and/or Vietnamese strongly preferred.

Computer And Office Equipment Skills

Microsoft Office Suite, Salesforce

Certificates, Licenses, Registrations (Ex: CPA, Series 6 or 7 license, etc)

None required.

NMLS Language

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.

DeGarmo Behavioral Assessment Requirement

• All candidates must complete the DeGarmo Retail Behavioral Assessment to be considered for this position
• The assessment takes approximately 12-15 minutes to complete
• Assessment results must be submitted prior to having your application evaluated by Talent Acquisition

Benefit Highlights

• Medical with wellness incentives, dental, and vision
• HSA with company match
• Maternity and parental leave
• Tuition reimbursement
• Mentor program
• 401(k) with 6% match
• More -- FirstHorizon.com/First-Horizon-National-Corporation/Careers/Our-Benefits