Overview
POSITION SUMMARY The Small Business Relationship Banker (SBRB) is a sales-solution, service, and transaction provider for all consumer and business customers, with a heightened focus on building and deepening relationships with business customers. This is a cross-functional team member who transacts and advises, and is empowered to create an exceptional customer experience from initial greeting to fulfillment by working proactively to engage customers to understand what is important to them and help with their needs. The SBRB will lead the branch in business initiatives and production with the primary responsibility of consulting with customers and prospects in order to understand current business practices, identify goals and needs and make proper recommendations of solutions. Responsibilities
PRIMARY RESPONSIBILITIES 50% of time devoted specifically to small business relationship prospecting and development: Proactively develops new and existing small business customer relationships partnering closely with Branch Manager and Business Development officer assigned to branch. Contributes to the growth of a profitable loan portfolio by originating and referring applications for small business customers. Partners with the Business Development Officer, communicating and implementing the sales strategy in order to meet/exceed business growth expectations, cross sell opportunities, and referrals. Conduct joint outside sales calls with various partners to support small business customer outreach. Build, manage and grow business and personal relationships with small business customers by using our needs based sales process to uncover needs and making appropriate recommendations. Support and participate in local community endeavors to help promote BN and network with local businesses. Reviews business account openings in their branch to ensure adherence to all BN policy and procedures. Actively participate in training curriculum and BN provided continued education to continuously build and deepen business acumen. 50% of time will be acting in the capacity of a Relationship Banker which includes all customer sales and transacting, and branch operational responsibilities: Provides a best-in-class customer experience by accurately processing transactions and new account openings in a timely and professional manner and conducts financial conversations with customers to identify banking needs. Uses discovery techniques to match needs with BankNewport solutions during transaction processing and account opening. Meet individual and branch sales goals by maximizing each customer interaction and through proactive prospecting activities such as reviewing customer profiles, outbound calling, and community activities. Opens consumer & small business accounts, originates and closes loans, performs maintenance changes to existing accounts, answers customer questions and resolves account related problems, and demonstrates expert Digital Banking knowledge and proficiency to advise customers. Fully adopt and utilize the customer relationship management system and on-boarding process to provide exceptional internal & external customer experiences. Demonstrates ownership of any customer problem or request by utilizing available resources and following up to ensure effective resolution and customer satisfaction. Adhere to all bank policies and procedures, audit, regulatory and security guidelines. The SBRB will participate in
some
operational tasks, however these responsibilities will be a lessened vs. a Senior Relationship banker role due to time focused on business development (i.e. vault ownership). The SBRB will participate in the Retail Incentive Program based on the “SBRB incentive plan” components with an individual and team based eligible payout. Qualifications
REQUIRED QUALIFICATIONS 2-3 year experience as a banker, or equivalent retail sales or banking experience required; customer service experience and needs-based banking sales preferred. Must be proficient in and experience with working with small business customers, specifically to advise on their banking and lending needs. Must be willing to do small business customer outreach, experience is preferred. Must be proficient with technology and digital banking services; Microsoft Office, specifically word and excel and possess familiarity with technical devices including tablets and smartphones. Must have excellent customer service, communications, problem solving and organizational skills. Must be willing to participate/attend community events Must be able to handle multiple tasks simultaneously. Must be a team player. Physical Requirements Any physical demands or work conditions described below are representative of those that must be met by an employee to successfully perform the essential functions of this job. Reasonable Accommodation may be made to enable individuals with disabilities to perform the essential functions. Employees need to have the ability to: Travel independently to the position’s primary work location, other bank properties and work-related activities or events at locations outside the Bank. Effectively communicate and exchange accurate information and ideas so others will understand. Independently 0perate a computer and other office machinery, such as a calculator, copy machine, printer and software programs related to the position needed to complete the primary functions. Sit or stand at a workspace and use a computer or other equipment for prolonged periods of time. Meet the work schedule requirements for physically working in the branch during normal business hours to effectively meet business needs. Move office items weighing up to 35 pounds. SUPERVISORY SCOPE None BANKNEWPORT CORE VALUES We
celebrate
individuality We
empower
employees to be creative problem solvers We
invest
and take the time to really get to know our customers We
commit
to serving the financial needs of Rhode Islander’s BankNewport is committed to a policy of Equal Employment Opportunity and will not discriminate against an applicant or employee on the basis of race, color, religion, creed, national origin or ancestry, sex, age, physical or mental disability, veteran or military status, genetic information, sexual orientation, gender identity or expression, pregnancy, childbirth or related medical conditions, military service, marital status, or any other legally recognized protected basis under federal, state or local laws, regulations or ordinances.
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POSITION SUMMARY The Small Business Relationship Banker (SBRB) is a sales-solution, service, and transaction provider for all consumer and business customers, with a heightened focus on building and deepening relationships with business customers. This is a cross-functional team member who transacts and advises, and is empowered to create an exceptional customer experience from initial greeting to fulfillment by working proactively to engage customers to understand what is important to them and help with their needs. The SBRB will lead the branch in business initiatives and production with the primary responsibility of consulting with customers and prospects in order to understand current business practices, identify goals and needs and make proper recommendations of solutions. Responsibilities
PRIMARY RESPONSIBILITIES 50% of time devoted specifically to small business relationship prospecting and development: Proactively develops new and existing small business customer relationships partnering closely with Branch Manager and Business Development officer assigned to branch. Contributes to the growth of a profitable loan portfolio by originating and referring applications for small business customers. Partners with the Business Development Officer, communicating and implementing the sales strategy in order to meet/exceed business growth expectations, cross sell opportunities, and referrals. Conduct joint outside sales calls with various partners to support small business customer outreach. Build, manage and grow business and personal relationships with small business customers by using our needs based sales process to uncover needs and making appropriate recommendations. Support and participate in local community endeavors to help promote BN and network with local businesses. Reviews business account openings in their branch to ensure adherence to all BN policy and procedures. Actively participate in training curriculum and BN provided continued education to continuously build and deepen business acumen. 50% of time will be acting in the capacity of a Relationship Banker which includes all customer sales and transacting, and branch operational responsibilities: Provides a best-in-class customer experience by accurately processing transactions and new account openings in a timely and professional manner and conducts financial conversations with customers to identify banking needs. Uses discovery techniques to match needs with BankNewport solutions during transaction processing and account opening. Meet individual and branch sales goals by maximizing each customer interaction and through proactive prospecting activities such as reviewing customer profiles, outbound calling, and community activities. Opens consumer & small business accounts, originates and closes loans, performs maintenance changes to existing accounts, answers customer questions and resolves account related problems, and demonstrates expert Digital Banking knowledge and proficiency to advise customers. Fully adopt and utilize the customer relationship management system and on-boarding process to provide exceptional internal & external customer experiences. Demonstrates ownership of any customer problem or request by utilizing available resources and following up to ensure effective resolution and customer satisfaction. Adhere to all bank policies and procedures, audit, regulatory and security guidelines. The SBRB will participate in
some
operational tasks, however these responsibilities will be a lessened vs. a Senior Relationship banker role due to time focused on business development (i.e. vault ownership). The SBRB will participate in the Retail Incentive Program based on the “SBRB incentive plan” components with an individual and team based eligible payout. Qualifications
REQUIRED QUALIFICATIONS 2-3 year experience as a banker, or equivalent retail sales or banking experience required; customer service experience and needs-based banking sales preferred. Must be proficient in and experience with working with small business customers, specifically to advise on their banking and lending needs. Must be willing to do small business customer outreach, experience is preferred. Must be proficient with technology and digital banking services; Microsoft Office, specifically word and excel and possess familiarity with technical devices including tablets and smartphones. Must have excellent customer service, communications, problem solving and organizational skills. Must be willing to participate/attend community events Must be able to handle multiple tasks simultaneously. Must be a team player. Physical Requirements Any physical demands or work conditions described below are representative of those that must be met by an employee to successfully perform the essential functions of this job. Reasonable Accommodation may be made to enable individuals with disabilities to perform the essential functions. Employees need to have the ability to: Travel independently to the position’s primary work location, other bank properties and work-related activities or events at locations outside the Bank. Effectively communicate and exchange accurate information and ideas so others will understand. Independently 0perate a computer and other office machinery, such as a calculator, copy machine, printer and software programs related to the position needed to complete the primary functions. Sit or stand at a workspace and use a computer or other equipment for prolonged periods of time. Meet the work schedule requirements for physically working in the branch during normal business hours to effectively meet business needs. Move office items weighing up to 35 pounds. SUPERVISORY SCOPE None BANKNEWPORT CORE VALUES We
celebrate
individuality We
empower
employees to be creative problem solvers We
invest
and take the time to really get to know our customers We
commit
to serving the financial needs of Rhode Islander’s BankNewport is committed to a policy of Equal Employment Opportunity and will not discriminate against an applicant or employee on the basis of race, color, religion, creed, national origin or ancestry, sex, age, physical or mental disability, veteran or military status, genetic information, sexual orientation, gender identity or expression, pregnancy, childbirth or related medical conditions, military service, marital status, or any other legally recognized protected basis under federal, state or local laws, regulations or ordinances.
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