Relationship Banker

Armstrong Bank; Norman (OK); On-site; USD 40,000 - 55,000; Full time

Job summary

Armstrong Bank in Norman, Oklahoma seeks a motivated individual to interact with new and existing customers, providing exceptional service and making lending decisions. The role involves managing a loan portfolio, resolving issues, and representing the bank during events.

The ideal candidate will possess strong customer service skills, a Bachelor’s Degree or related experience, and a valid Oklahoma Driver’s License. Join a team committed to meeting customer needs and fostering community relationships.

Qualifications

• Bachelor’s Degree preferred with a minimum of 3.0 overall GPA or equivalent work experience.
• 1–2 years of related work experience required.
• Possess and maintain a valid Oklahoma Driver’s License.

Responsibilities

• Assist customers promptly in person, by phone, or electronically.
• Open new accounts, update customer files, or close accounts.
• Make credit decisions for various loan applications.
• Manage the assigned loan portfolio to meet established ratios.
• Resolve customer complaints and ensure appropriate action.
• Represent the Bank at various bank sponsored events.

Skills

Customer service

Loan decision-making

Portfolio management

Problem resolution

Education

Bachelor’s Degree in a related field

Job description

Purpose

While projecting a professional image, interacts with new and existing customers and matches services that best fit their individual needs. Responds to inquiries and resolves issues. Exercises independent discretion and judgment in soliciting, negotiating, underwriting, coordinating, and managing a new and existing client base of business, including portfolio management. Has authority to make independent lending decisions on all bank loan products. Provides consultation to clients and makes lending decisions on behalf of the bank in matters relating to financial significance. Contacts customers, businesses, community organizations, and civic groups to promote goodwill and generate new business.

Essential Functions

• Ensure that customers are assisted promptly in person, by telephone, or electronically by meeting or exceeding Bank standards as identified in the SMILE program.
• Open new accounts (including loan and/or deposit), update customer files, or close accounts.
• Make credit decisions to approve or deny consumer chattel, consumer real estate, business aggregate and agricultural aggregate loan applications as approved by the Board of Directors annually.
• Authority to approve exceptions to the established loan policy, within the limits approved by the Board of Directors annually.
• Authority to approve various operational deposit items in excess of teller supervisor limits, such as check approvals and cash items.
• Authority to independently approve customer overdrafts, within limits authorized by the Board of Directors.
• Manage all aspects of the assigned loan portfolio to meet or exceed the established ratio.
• Maintain annual loan charge offs to meet or exceed the established ratio.
• Meet accuracy and correctness of work standards according to established policies and procedures.
• Meet or exceed annual cross‑sell requirements.
• Contribute to branch deposit growth and branch profitability annual goals.
• Resolve customer complaints or ensure that the complaint is referred to the appropriate individual for resolution.
• Verify and ensure that appropriate action was taken to resolve customer problems.
• Represent the Bank at various bank sponsored events, both during regular banking hours or evenings and/or weekends.
• Other duties, as assigned.

Qualifications

• Prefer a Bachelor’s Degree in a related field with a minimum of 3.0 overall GPA or equivalent work experience.
• Typically requires 1–2 years of related work experience and the knowledge, skills and ability to perform the essential requirements of the job.
• Possess and maintain a valid Oklahoma Driver’s License.