Consumer Banking Relationship Manager - Bangor, United States - Bangor Savings Bank

Description

FUNCTION: Reporting to the Branch Manager, the Relationship Managers primary responsibility is branch sales growth and customer development. The RM supports the Banks mission to be the preferred financial institution in Maine by taking responsibility for consumer and Maine Street business sales production. Sales functions include business development activities and building of bank advocacy networks. The RM actively develops and manages a book of clients who require more personal attention and have complex borrowing and financial needs. The RM will work closely to coordinate with line of business partners to provide appropriate resources for clients and prospects.

The RM is also responsible for providing platform coverage and assisting with operational risk management and coaching within the branch as necessary to support the branch. The RM supports the BSB mission to be the employer of choice by contributing to a great working environment. Finally, the RM supports the BSB mission of investing strategically in Maine communities by supporting coordinated market outreach and business development efforts.

ACCOUNTABILITIES:

Customer Experience:

+ Promotes a customer-centered culture and attitude among staff

+ Builds relationships by providing the highest level of service, demonstrating You Matter More to each customer, getting to know customers on an individual basis

+ Engages in conversations and demonstrates advanced consultative sales skills to understand customer needs and financial goals, offers solutions as appropriate or refers to other team members in accordance with Bank strategy

+ Understands the Banks products and services and how they benefit customers, promoting as appropriate

+ Embraces and utilizes the Banks sales and coaching process, completes action plans in an effort to meet goals

Business Development:

+ Responsible for achievement of branch production goals including deposits, various loan categories, business line referrals and other business development goals

+ Leads proactive branch efforts through outside calling with customers, prospects and advocates in an effort to establish new banking relationships for consumers and Maine Street businesses in the branch geography

+ Works closely with business line partners including Commercial Banking, Wealth Management, Treasury and Payment Services, Business Banking, Payroll and Merchant services to provide appropriate levels of expertise and support

+ Assumes key role in building and fostering external bank advocacy network by becoming involved in various civic/charitable organizations, BSB sponsored events, boards, etc

Serves as a role model, coach and sales resource to all team members as well as line of business partners

Sales and Servicing

+ Serves as an external branch sales and service contact by opening larger and/or more complex consumer and Maine Street business deposit relationships

+ Originates a significant volume of potentially complex consumer and Maine Street business loan requests in compliance with Bank policies and procedures

+ Develops and actively pursues new lending and deposit sales growth opportunities

+ Provides customers with information on products and services, rates, service charges and fees as well as other relevant information

+ Maintains a high level of knowledge on all deposit products and services as well as all consumer and Maine Street business loan products

+ Understands business partner relationships and refers to other team members in accordance with Bank strategy

+ Demonstrates ability to handle routine and more complex service issues independently, refers customers to appropriate staff for advanced problem resolution

+ Researches and resolves problems either through direct action or referral to and follow up with other Bank resources

+ Answers written and telephone inquiries from customers concerning bank services

Credit Underwriting:

+ Coordinates and oversees the loan preparation process, working with Loan Originations and Credit Departments to ensure timely approvals and declines.

+ Obtains and analyzes all necessary financial and credit information

+ Maintains ongoing client communication to inform customers of application decisions, negotiate rates and terms, ensures that funds are disbursed and loans are properly documented.

+ Provides oversight of the loan documentation and delivery process including commitment letter preparation, negotiation, and acceptance; appraisal, environmental and legal documentation and review, and loan closing

Human Resources:

+ Supports, mentors and coaches team members in their professional development

+ Creates and fosters a cohesive team and promotes a positive work environment

+ Develops a cooperative and collaborative working relationship with other departments and leaders in the company

Compliance and Control:

+ Understands, demonstrates competency and maintains knowledge of the Banks operational and risk management policies as well as the Banks security policies and procedures, ensuring that staff members are knowledgeable of such

+ Assists in ensuring that the Bank is in compliance with local, state and federal regulations

General:

+ Interacts harmoniously and effectively with others, focusing upon the attainment of bank goals and objectives through a commitment to teamwork

+ Conforms to acceptable punctuality/attendance/professionalism standards as expressed in the Employee Handbook

+ May train or assist in training new employees

+ Performs additional duties as requested

+ Travel to other branches for coverage may be required

COMPETENCIES

+ Leadership motivates and encourages others; ability to attract, motivate and retain staff; delegates routine and important tasks and decisions, shares information, creates an inclusive environment, recognizes success

+ Integrity/Ethics deals with others in a straightforward, honest manner, is accountable for actions, maintains confidentiality, supports company values, conveys news good or bad

+ Vision/Values supports company mission/values through daily actions and decisions, communicates the Banks vision, mission and values to others

+ Adaptability/Flexibility adapts to change, is open to new ideas, takes on new challenges

+ Initiative takes action, operates as a pro-active self starter, acts on opportunities to improve, self directed with ability to plan own activities to achieve sales goals

+ Interpersonal Skills has good listening skills, excellent customer service skills, able to communicate clearly and professionally both in telephone and written communication; ability to interact with all levels of staff and management

+ Productivity manages time well, handles information flow well, strong multi tasking skills with the ability to prioritize and organize work flow, accepts accountability, meets accuracy standards

+ Decision Making - sound judgment in decision making and problem solving; must be able to think through a problem, following proper steps in finding resolution

+ Teamwork team player with a positive attitude, promotes a team atmosphere, selflessly pitches in, shares information, partners well with others, willingly assists co-workers and share responsibilities

+ Sales Skills applies sales skills to identify customer needs and refer to appropriate business partners, translates product features to benefits, cross selling skills, ability to identify and act on sales opportunities, works to develop sales skills; solid understanding of sales management

KNOWLEDGE/SKILLS/EXPERIENCE

+ High school diploma or equivalent required; college, business, banking or professional training helpful

+ Two years experience in sales, retail banking, lending, customer service and/or operations

+ Demonstrated advanced lending proficiency

+ Demonstrated personal computer literacy

PHYSICAL DEMANDS/CONDITIONS REQUIREMENTS

+ General office environment

+ May be required to move bags of coin short distances. Moderate lifting (up to 50 lbs.) required.

+ Moderate reaching, walking, sitting and standing required

EQUIPMENT USED

+ General office equipment

External and internal applications, as well as position incumbents who become disabled, must be able to perform the essential functions (as listed) either unaided or with the assistance of a reasonable accommodation to be determined by management on an individual basis.

At Bangor Savings, we understand the importance of continuing to nurture an internal culture of excellence for each of our employees. We offer internal and external training to assist our employees in realizing their career aspirations including internships, lateral training, management training, and tuition reimbursement.

We also offer a unique set of benefits designed to support our employees in living their best life and achieving their goals. Our holistic health and wellness programs allows each employee to customize their approach to well-being. And our pay, rewards, recognition, and incentive programs ensure that they are well-compensated for a job well-done.

At Bangor Savings Bank, the work our employees do each and every day allows us to deliver on our promise to make a difference in the lives of people in New England in a way that really matters.

Bangor Savings Bank provides equal employment opportunities to all applicants and employees without regard to race, color, religion, gender, sexual orientation, age, national origin or any other class protected under state or federal law and affirmatively seeks to advance the principals of equal employment opportunity. In addition, the Bank is committed to providing equal employment opportunities to qualified persons with disability, veterans, and/or disabled veterans. No question on this application is intended to secure information to be used for such discrimination, this application will be given every consideration, but its receipt does not imply that the applicant will be employed. This application will remain active for a period of 90 days. If, after such time, you still wish to be considered for employment, you must reapply. Bangor Savings Bank does provide workers compensation coverage for employees injured on the job. It is unlawful in Massachusetts to require or administer a lie detector test as a condition of employment or continued employment. An employer who violates this law shall be subject to criminal penalties and civil liability.