Banking Relationship Officer II
American Riviera Bank

Santa Maria, California

Posted in Banking


This job has expired.

Job Info


Job Purpose:

The position of Banking Relationship Officer II (BRO) is responsible for retaining, expanding and bringing new relationships to the bank. The BRO partners with retail and lending team members to improve client retention and manage client relationships while increasing deposit generation, and expanding usage of products and utilization of cash management products. This position will also represent the Bank at community and Bank-sponsored events to ensure the Bank maintains its excellent reputation in the community.

The BRO is required to have sound financial knowledge and comprehensive understanding of the products and services offered by the Bank and must have a thorough knowledge and understanding of applicable banking compliance requirements and regulations in order to effectively assess and deliver sound, consultative, and reliable recommendations to create customized solutions to meet the clients’ financial needs.

Duties & Responsibilities:

  • Initiates and develops new business through outside business development activities and solicitation of new business prospects; meets with customers to discuss needs and effectively communicate to prospective clients about the advantages of the Bank’s products and/or services and follow up with them in order to establish a relationship and close the business.
  • Actively participates in community and bank sponsored events and with community organizations to maximize networking exposure and source business development opportunities to help demonstrate the Bank’s commitment to the communities it serves.
  • May be called upon to attend industry and sales related functions and asked to participate in industry forums as a representative of the organization.
  • Achieves individual annual production and growth loans and deposit goals to ensure the Bank meets its regional and overall financial targets.
  • Respond to client queries regarding products and services, determining needs based on the review and analysis of financial data gathered through relationship reviews and personal meetings, and completes ongoing customer relationship reviews with all clients within assigned portfolio, including following up on matured and past due loans, in a timely fashion.
  • Develop business proposals for new clients – including Expression of Interest letters, proposals, and presentations.
  • Builds client referral pipeline via identification and development of internal and external centers of influence; and identifies and pursues potential sources of business and other strategies to meet established goals and objectives.
  • Work closely with the Banking Relationship Manager and/or Regional President to determine cross-selling opportunities from the current database of clients.
  • Makes decisions regarding the opening of new accounts; assigns account numbers; completes forms required forms and obtains client’s signature(s); checks credit history, accepts initial deposits; prepares all documents and items pertaining to checking and savings accounts and certificates of deposit for processing.
  • Prepares an action plan for each assigned prospect within their portfolio of clients to determine development of new business; and develops and maintains focused strategies for acquiring, retaining and growing select clients.
  • Establish and maintain accurate and timely records of business development activities and generate pipeline log for tracking of new business development efforts.
  • Possesses extensive in-depth knowledge about business development practices, marketing activities, prospective clients, the bank’s competition, and industry trends.
  • Develops and maintains in-depth knowledge of the Bank’s products and services in addition to knowledge of competitors and competitive products; proactively promotes and cross-sells the Bank’s products and services; and keeps customers informed of special promotions.
  • Support and/or participate in on-going training to ensure the understanding and application of existing or new regulations to new and existing products, and is familiar with the regulatory training materials available.
  • Will be required to travel to client and non-client sites and other branch or meeting locations.
  • May be required to conduct on-site visit and/or set-up of clients’ online banking and/or remote deposit capture products.
  • Demonstrates the ability to support other staff in sales and sales referral responsibilities. Provides effective customer service and assists in resolving problems within given authority.
  • Prepares routine correspondence, reports, forms and written communications.


General:
  • Treats people with respect; keeps commitments; inspires the trust of others; works ethically and with integrity; upholds organizational values; accepts responsibility for own actions.
  • Completes administrative tasks correctly and on time; supports the Bank’s goals and values; benefits the Bank through outside activities.
  • Comply with all applicable OSHA safety standards, including:
  • Read the workplace safety and health poster at the jobsite.
  • Report hazardous conditions to your supervisor and/or HR
  • Report any job-related injury or illness to your supervisor and/or HR, and seek treatment promptly.


Compliance
  • Complies with all bank policies and procedures and all applicable government regulations including, but not limited to deposit compliance and fair lending regulations, staying current and knowledgeable of all policies, procedures and regulations related to the job functions and completing all assigned training on time, requesting additional training as needed to be proficient in all job responsibilities; cooperating with internal and external auditors and bank examiners by providing full cooperation and timely delivery of requested documentation and information; and reporting concerns about compliance to the Compliance Officer to enable prompt remediation.
  • Complies with Bank policies and procedures relating to the Bank Secrecy Act (BSA), and Anti Money Laundering (AML) and Office of Foreign Asset Control (OFAC) guidance. Report suspicious activity to the BSA Department through a Suspicious Incident Report (SIR).
  • Adheres to privacy and information security policies, and ensure all sensitive internal and external customer information is properly secured and safeguarded. Use secure methods delivering client and/or confidential data by email.
  • Demonstrates knowledge of and adherence to Equal Employment Opportunity (EEO) policy; shows respect and sensitivity for cultural differences; educates others on the value of diversity; promotes working environment free of harassment of any type; builds a diverse workforce and supports affirmative action.


Qualifications:

These specifications are general guidelines based on the minimum experience normally considered essential to the satisfactory performance of this position. The requirements listed below are representative of the knowledge, skill and/or ability required to perform the position in a satisfactory manner. Individual abilities may result in some deviation from these guidelines.

  • Successful completion of high school or equivalent. Bachelor’s degree preferred.
  • Minimum 5 years sales and service experience in banking or related financial industry or an equivalent combination of related education and work experience, with a proven track record of exceeding performance in development business in the small business / commercial industry.
  • California Notary Public Commission required.
  • Advanced customer relationship management and business development abilities, analytical and problem solving skills, sales skills, and credit and credit quality skills.
  • Advanced math skills and ability to deal with complex problems involving multiple facets and variables in non-standardized situations.
  • Effective oral, written and interpersonal communication skills with the ability to apply common sense to carry out instructions, interpret documents, understand procedures, write reports and correspondence, and speak clearly to customers and employees.
  • Ability to deal with difficult or complicated client situations and demonstrate high level of professionalism under pressure.
  • Good organizational and time management skills.
  • Ability to work with general supervision while performing duties.
  • Current, valid California driver’s license and a vehicle with appropriate insurance coverage if required to drive in the course of performing assigned duties and responsibilities.


This job has expired.

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