The Relationship Banker is responsible for providing outstanding customer service while performing a variety of customer savings, checking and credit account transactions, as well as customer services for cashier’s checks, money orders, etc. Recognizes needs-based selling opportunities to enhance and strengthen the Bank’s relationship with the customer. Assists in branch balancing duties, contact to other departments for situational resolutions, and other branch-related tasks. Level II handles account opening/closing and maintenance of accounts. Level III assists in the consumer lending process.
Welcomes all customers to the bank as they enter and escorts them to a work area to complete their transaction.
Processes customers’ deposits, withdrawals, loan payments, loan & cash advances, cashier’s checks, money orders, and other routine requests.
Provides customers with necessary information and troubleshoots customer issues.
Becomes familiar with customers’ resources to be able to assist customers.
Assists customers with access to safety deposit boxes and address changes.
Level II (Includes Level I Duties)
Troubleshoots issues with debit cards, online banking, & account issues.
Collects information for outgoing wire transfers.
Balances and maintains ATM.
Opens personal and business accounts for new and existing customers.
Closes accounts (including IRAs & HSAs).
Performs follow-up with customers.
Assumes responsibility for account maintenance.
Performs cash vault duties, including balancing.
Assists in cash needs for co-workers and branch.
Processes customer account changes.
Assists in the opening and closing duties and operations of a branch.
Level III (Includes Level I & II Duties)
Accepts consumer loan applications (excluding HELOC) and has the ability to quote rates, terms, and projected payments.
Performs loan closing process with assistance from Branch/Relationship Manager or consumer lending staff.
Recognizes customer cues for appropriate products and services they currently may not be using.
Compiles and works toward the branch goals to achieve and/or exceed branch market growth potential.
Promotes the bank as a relationship community building financial institution with focus on volunteerism and teamwork.
Provides co-workers with positive attitude and support.
Provides assistance to Relationship Manager, as needed.
Maintains and protects confidentiality of customer information.
Maintains regular, on-time attendance.
Remains current in assigned training and continuing education for designation retention (online, video, in-house emails, telephone seminars, etc.)
Complies with all regulatory requirements including Bank Secrecy Act and all others specific to their position.
Performs other various duties as assigned.
CONTACT WITH OTHERS – INTERNAL
Communicates on a regular basis with other Relationship Bankers.
Communicates on a regular basis with branch officer/manager and other officers/managers of the bank.
Communicates on a regular basis with the bank couriers.
Communicates on a regular basis with Customer Service staff at the Main Office.
Communicates frequently with other departments of the bank.
CONTACT WITH OTHERS – EXTERNAL
Communicates on a regular basis with customers of the bank.
To perform this job successfully, an individual must be able to perform each essential duty satisfactorily. The requirements listed below are representative of the knowledge, skill and/or ability required. Reasonable accommodations may be made to enable individuals with disabilities to perform the essential functions.
High school diploma or equivalent.
Minimum of three years banking experience and/or education, including cash handling.
Passion for providing a stellar customer service experience to all customers (external and internal) and ability to instill this passion in others.
Excellent interpersonal skills (tactfulness, cooperation, courteousness and customer friendliness) are necessary to represent the bank in a positive manner.
Positive and cooperative approach when working with others.
Excellent written communication skills with demonstrated ability to write communications clearly, concisely and effectively, with attention to detail for visually appealing output and accurately proofreading publications.
Excellent verbal communication skills with the demonstrated ability to effectively present information to customers (internal and external) and management.
Ability to maintain confidentiality and handle sensitive information.
Ability to efficiently and accurately keyboard information, both computer and calculator.
Strong computer skills with a proficiency in MS Word, Excel and Outlook.
Knowledge of basic accounting principles.
The work environment characteristics described here are representative of those an employee encounters while performing the essential functions of this job. Reasonable accommodations may be made to enable individuals with disabilities to perform the essential functions. While performing the duties of this job, the work environment will include:
Works in a normal office environment.
Travel between branch locations, as needed.
The physical demands described here are representative of those that must be met by an employee to successfully perform the essential functions of this job. Reasonable accommodations may be made to enable individuals with disabilities to perform the essential functions. While performing the duties of this job, the employee is regularly required to:
Communicate effectively, both verbally and in writing.
County National Bank is deeply committed to the communities we serve. Since 1934, we have grown to 13 full-service branches in four counties in south-central Michigan.
As a community bank, we work hard to be a valuable resource for small businesses and individuals alike. Our employees are dedicated to serving our customers, both as representatives of the bank and as members of the community. CNB encourages employees to participate in service organizations and local groups, to be more aware of the unique environment and needs of each customer. Decisions regarding the operation and services offered at CNB are all made locally.
In addition to our commitment to the community, CNB has a history of excellence in banking, consistently providing solid financial performance. With the help of experienced, knowledgeable management and board of directors, we continue to grow. Our dedication to local, excellent banking strengthens the areas in which we live and work and improves the quality of life for those in our community.