Relationship Banking Officer

Description

Position Summary: The Relationship Banking Officer, under the direction of the Retail Banking Manager is primarily responsible for branch operational activities, financial services and consumer/small business lending. The RBO brings a positive energy and confidence to work each day and is responsible for the daily operations of the branch, cross-selling products and services, and promoting business for the Bank by maintaining positive customer relations.

Principal Duties and Responsibilities:

Performance Management - Promotes overall ownership and accountability for improving customer service and branch success. 

• Provides sales leadership to ensure branch growth through personal example and regular monitoring of team sales results.
• Leads by example with meeting and exceeding individual sales goals.
• Welcomes and applies coaching from the Retail Banking Manager to ensure growth as a leader.
• Review monthly reports and analyze data with Retail Banking Manager.
• Competency in lending, including mortgage loans and other residential loans and consumer loans. Will carry out lending responsibilities in accordance with IB loan policy.

Branch Operations and Compliance- Ensures compliance with policies and procedures.

• Ensures compliance through daily observation and assist with monthly audits as necessary.
• Compliance with all Bank Secrecy Act rules and conditions.
• Answer staff questions on branch transactions, policies and processes.

Customer Experience- Shows accountability by taking ownership of the business and willingness to make customer-focused decisions when needed. 

• Manages and ensures customer issues and questions are addressed to a satisfactory resolution.
• Assists as needed with branch teller and branch operations.
• Performs the required duties to open new deposit accounts, providing quality customer service.
• Ensures adherence to sales and service behaviors.
• Active participation in lobby management efforts.

Performance Results-Assist colleagues in achieving their developmental goals and career aspirations 

• Ensures account retention through quality customer service, sales and referrals, assists in conducting regular service & sales skills review meetings, employee cross-training and promoting regular employee feedback/coaching.
• Assists in developing and implementing a program for consumer business development and sales promotion for the branch; provides leadership for the in-branch consumer sales activities; prepares materials for meetings and encourages staff participation.
• Participate in commercial/business development efforts, including joint business calls and presentations.
• Performs sales and relationship-building through small business calls and activities.
• Additional Focus Areas as needed per Branch. 

Job Knowledge, Skills and Abilities: (Competencies)

• Must exhibit an understanding of and compliance with applicable federal and state banking laws and regulations, and/or have and obtain the ability to acquire.
• Must possess knowledge of Ixonia Bank banking products and services and exhibit a demonstrated experience and ability to open and close most or all types of Ixonia Bank deposit accounts.
• Possesses demonstrated knowledge and completion of Ixonia Bank new accounts training and procedures.
• Language Skills - Ability to read and comprehend simple instructions, short correspondence, and memos. Ability to write simple correspondence.  Ability to effectively present information in one-on-one and small group situations to customers, clients, and other employees of the organization.
• Mathematical Skills - Ability to add, subtract, multiply, and divide in all units of measure, using whole numbers, common fractions, and decimals. Ability to compute rate, ratio, and percent and to draw and interpret bar graphs.
• Reasoning Ability – Ability to apply common sense understanding to carry out detailed but uninvolved written or oral instructions. Ability to deal with problems involving a few concrete variables in standardized situations.
• Computer Skills - Basic computer skills required.
• Customer Service Skills- Manage difficult or emotional customer situations; Responds promptly to customer needs.
• Interpersonal Skills - Maintains confidentiality.
• Oral Communication - Speaks clearly and persuasively in positive or negative situations.
• Attendance/Punctuality - Is consistently at work and on time.
• Flexibility - Willingness to report to other branches as needed. Scheduling based on branch needs.
• Dependability - Follows instructions, responds to management direction.
• Experience interviewing loan applicants, underwriting consumer and mortgage loans and closing loans.
• Proactively initiates and establishes relations with prospective clients.
• Proactively and consistently manages client contact to develop and build long-term relationships.

Qualifications

• 2 or more years of sales management experience in Retail or Branch Banking environment 
• Proven ability to coach and develop to drive sales results and operational excellence in a branch environment.
• Drive an exceptional customer experience.
• Strong organizational skills including the ability to manage multiple responsibilities prioritize and delegate while delivering results. 
• Strong written and verbal communication skills.
• Strong interpersonal skills including ability to build customer base by approaching and establishing dialogue with customers. 
• Maintain an active role through partnerships with community and civic organizations.
• Ability to work all branch operating hours, as needed, including weekends and some evenings. 
• Ability to travel, as needed, to required trainings and/or other branch locations.
• Lending experience/knowledge desired or willingness to learn consumer lending.
• Successful candidate must meet and comply with all requirements set forth in the SAFE Act, including, but not limited to successful completion of the required background checks and obtaining an unique identifier from the NMLS.

Education:

• High School degree or equivalent required.
• Associate’s or Bachelor’s degree preferred.

 Success Factors

Knowledge, skills & abilities that typically lead to success in the job include:

• Leading by example
• Communication
• Team Leadership
• Customer service
• Risk acumen
• Retail banking
• Consultative selling
• Cross selling
• Front office customer management

Hours & Work Schedule

Work Schedule: Monday - Friday hours dependent on branch need.

Ixonia Bank is an Equal Opportunity Employer of women, minorities, protected veterans, and individuals with disabilities.

Equal Opportunity Employer/Protected Veterans/Individuals with Disabilities

The contractor will not discharge or in any other manner discriminate against employees or applicants because they have inquired about, discussed, or disclosed their own pay or the pay of another employee or applicant. However, employees who have access to the compensation information of other employees or applicants as a part of their essential job functions cannot disclose the pay of other employees or applicants to individuals who do not otherwise have access to compensation information, unless the disclosure is (a) in response to a formal complaint or charge, (b) in furtherance of an investigation, proceeding, hearing, or action, including an investigation conducted by the employer, or (c) consistent with the contractor’s legal duty to furnish information. 41 CFR 60-1.35(c)