Relationship Banking Officer (NE)

Cathay Bank in; Cupertino (CA); On-site; USD 37,000 - 41,000; Full time

Job summary

Cathay Bank in Cupertino is seeking a Relationship Banking Officer to manage a retail customer portfolio and drive business development. You will open accounts, cross-sell products, and refer customers to other bank areas while delivering exceptional service.

The role requires strong interpersonal and communication skills, knowledge of banking regulations, and the ability to work weekends. Bilingual English/Chinese is preferred; Mortgage Loan Origination status may be pursued.

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 Life Insurance license within 12 months of hire or designation as Relationship Banking Officer; licensing for FINRA Series 6 & 63 or Series 7 & 65 recommended
• Must obtain MLO status to originate mortgage loans; active registration or eligibility in NMLS within 6 months
• PC literate; experience with data entry, 10-key, banking software, and Microsoft Office
• Detail-oriented and organized; able to multi-task and work under pressure
• Excellent interpersonal, listening, and communication skills
• Ability to assess customer needs and provide appropriate solutions
• Ability to work independently and as part of a team
• Willingness to work weekends and extended hours
• Bilingual English/Chinese preferred
• Able and willing to commute for business needs

Responsibilities

• Manage retail branch customer portfolio and conduct business development activities
• Open accounts and cross-sell bank products/services while providing exceptional service
• Originate and process Mortgage Loans
• Coordinate with Bank sales personnel to deepen relationships
• Provide quality customer service and maintain regular contact to ensure retention
• Support branch new business promotions and achieve sales goals
• Perform deposits, withdrawals, and teller-related duties
• Ensure compliance with regulations and bank security procedures

Skills

Sales experience

Retail banking

Interpersonal skills

Customer needs assessment

Teamwork

Bilingual English/Chinese

Weekend hours available

Regulations knowledge

Communication skills

Problem solving

Independent work

Education

College degree in business/finance (preferred)

Tools

Banking software

Microsoft Word/Excel/PowerPoint/Outlook

Job description

Relationship Banking Officer (NE) (Project Management)

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.

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

• 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

$27.00 – $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 ourCalifornia Job Applicant Privacy Policy .

Cathay Bank is an Equal Opportunity and Aff

We welcome applications for employment from all qualified candidates, regardless of race, color, ethnicity, ancestry, citizenship, gender, national origin, religion, age, sex (including pregnancy and related medical conditions, childbirth and breastfeeding), reproductive health decision-making, sexual orientation, gender identity and expression, genetic information or characteristics, disability or medical condition, military status or status as a protected veteran, or any other status protected by applicable law.

Cathay Bank endeavors to makewww.CathayBank.com accessible to any and all users. If you would like to contact us regarding the accessibility of our website or need assistance completing the application process, please contact, Mickey Hsu, FVP, Employee Relations Manager, at [phone] [e-mail] .This contact information is for accommodation requests only and cannot be used to inquire about the status of applications.

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.Branch Operations