Relationship Banking Officer

Cathay Bank; Mountain View (CA); On-site; USD 39,000 - 41,000; Full time

Benefits offered by this job

Medical insurance

Dental insurance

Vision insurance

Life insurance

Long-term disability insurance

FSAs & HSA with company contributions

401(k) with company contributions

Incentive compensation possible

Job summary

Cathay Bank in Mountain View, CA seeks a customer-focused banking professional to manage a Retail branch portfolio and drive business development. You will open accounts, cross-sell products, and assist with mortgage loans while delivering excellent service.

The role requires an emphasis on compliance, strong communication, and the ability to work with diverse customers in a busy branch environment.

Qualifications

• College degree in business, accounting or finance preferred.
• Minimum 5 years of retail banking experience with emphasis on sales and business development is a plus.
• Thorough knowledge of bank products and services.
• Adhere to regulations and policies affecting new account processing.
• MLO status within 6 months; Life Insurance license within 12 months; FINRA Series 6/63 or 7/65 recommended (not required).
• Proficiency with banking software and Microsoft Office suite.

Responsibilities

• Manage a customer portfolio of Retail branch customers and develop business opportunities.
• Cross-sell bank products and services to meet customers' financial goals.
• Originate and process Mortgage Loans.
• Handle new account opening procedures and related inquiries.
• Provide exceptional customer service and maintain confidentiality.

Skills

Interpersonal skills

Communication skills

Detail-oriented

Multitasking

Independent worker

Bilingual English/Chinese

Education

College degree in business, accounting or finance

Tools

Banking software

Microsoft Word

Microsoft Excel

PowerPoint

Outlook

Job description

People Drive Our Success

Are you enthusiastic, highly motivated, and have a strong work ethic? If yes, come join our team! At Cathay Bank – we strive to provide a caring culture that supports your aspirations and success. We believe people are our most valuable asset and we proudly foster growth and development empowering you to achieve your professional goals. We have thrived for 60 years and persevered through many economic cycles due to our team members’ drive and optimism. Together we can make a difference in the financial future of our communities.

GENERAL SUMMARY

Responsible for primarily managing customer portfolio of Retail branch customers (consumer & business) and business development activities. Additional responsibilities include opening accounts, deepening customer relationships by cross selling bank products/services and referring customers to other areas of the bank as appropriate. As needed conducting teller transactions, providing operational support while delivering exceptional customer service. Following regulations and bank security procedures to protect customers as well as minimize risk to the bank.

ESSENTIAL FUNCTIONS

Sales & Service

• Build rapport and maintain/expand branch relationships with active customer portfolio management.
• Identify opportunities to cross-sell bank products and services to ensure customers’ financial goals are met.
• Originate and process Mortgage Loans.
• Maintain open communication with Bank sales personnel such as Financial Advisors, Commercial Lenders, Cash Management, etc.
• Provide quality personalized customer service, maintain frequent customer contact to expand relationships and ensure customer retention.
• Proactively support branch new business promotions.
• Achieve assigned sales goals in areas of Loans, Deposits, and Fee Income
• Represent the Bank in civic/community affairs, as appropriate.

New Accounts

• Independently perform all aspects of new account opening procedures for all bank products/services.
• Answer customer inquiries, make appropriate financial solutions and recommendations and assist with problem resolution.
• Perform customer service functions such as check orders, change of address, return mail processing, supersede signature cards, and other account maintenance changes.
• Maintain confidentiality of customer information as well as Bank proprietary information.

Operations

• Perform deposits and withdrawal transactions.
• Reconcile and balance teller cash drawer.
• Process outgoing wires.
• Essential functions of Safe Deposit box (e.g. entry, opening, maintenance).
• Assist customers with problem resolution.
• Assist in ATM balancing.
• Detect and report fraudulent or suspicious activities by completing BSA reporting as required, Currency Transactions Reports or Monetary Instrument Reports.

QUALIFICATIONS

• College degree in business, accounting or finance preferred, but not required
• Minimum 5 years of retail banking experience with an emphasis on sales and business development a plus.
• Thorough knowledge of Bank products and services.
• Must be knowledgeable of and adhere to regulations and policies affecting new account processing.
• Obtain appropriate State(s) Life Insurance License within 12 months of hire or designation as a Relationship Banking Officer and strongly recommend licensing for FINRA Series 6 & 63 or Series 7 & 65.
• Required to obtain MLO (Mortgage Loan Originator) status to originate mortgage loans. Must possess an active registration or be eligible for registration under the Nationwide Licensing System & Registry (NMLS) within 6 months of hire or designation as a Relationship Banking Officer.
• PC literate and typing proficient. Previous experience with data entry, 10-key, banking software, and Microsoft Word, Excel, PowerPoint and Outlook a plus.
• Detail-oriented and organized – can multi-task, work well under pressure and follow through on commitments.
• Excellent interpersonal, listening, and communication skills – can make personal connections, engage and educate the customer, ask open-ended questions, listen to establish trust and build lasting relationships.
• Demonstrated ability to assess customer needs, provide appropriate solutions or recommendations, and optimize sales opportunities to new and existing customers
• Demonstrated ability to apply strong critical thinking and problem solving skills to a variety of situations and create action plans
• Ability to work independently and as part of team.
• Ability to give and receive feedback to improve skills and job knowledge.
• Able to work weekends and extended hours as required to meet business demands
• Bilingual English/Chinese (Mandarin or Cantonese) preferred.
• Able and willing to commute as required for business needs.

OTHER DETAILS

$28.00 – $30.00 / hour
Pay determined based on job-related knowledge, skills, experience, and location.
This position may be eligible for incentive compensation.

Cathay Bank offers itsfull-timeemployees a competitive benefits package which is a significant part of their total compensation. It is our goal to provide employees with a comprehensive benefits package to fit their needs which includes, coverage for medical insurance, dental insurance, vision insurance, life insurance, long-term disability insurance, and flexible spending accounts (FSAs), health saving account (HSA) with company contributions, voluntary coverages, and 401(k).

Cathay Bank may collect personal information from potential job candidates and applicants. For more information on how we handle personal information and your applicable rights, please review our California Job Applicant Privacy Policy.

Cathay Bank is an Equal Opportunity and Aff

Equal Opportunity Employer/Protected Veterans/Individuals with Disabilities

This employer is required to notify all applicants of their rights pursuant to federal employment laws. For further information, please review the Know Your Rights notice from the Department of Labor.