47 Exchange Bank Financial Advisor Jobs Hiring Near You

This position is scheduled 40 hours per week, 8:30 to 5:30 Monday through Friday. The schedule is subject to change based on the business needs of the Bank.

The Relationship Banker has a passion to do what is right for each customer and build long term customer relationships. They possess in-depth knowledge to make connections, discover needs, share recommendations and grow relationships. They are skilled at communicating with customers to discover unmentioned or unknown financial needs. Relationship Bankers retain and expand their book of business by deepening relationships through cross-sales and referrals. A Relationship Banker has a broad knowledge of Exchange Bank products and services and can perform both teller and platform transactions while leading advice-based conversations and providing a superior customer experience during every interaction.

ESSENTIAL FUNCTIONS:

Sales:

• Identify and recommend consumer loan products through interviewing customer and understanding their needs. Provide and accept loan applications, including creating and forwarding packages to the Bank’s Consumer Lending Department.
• Ensure a positive total customer experience by taking them through the entire consumer loan process including signing loan documents, answering questions, and disbursing loans.
• Effectively manage a book of business.

Customer Experience: 

• Build upon the collective team knowledge and success by mentoring and coaching newer Relationship Bankers.

Operations Leadership: 

• Act as "manager on duty" in absence of branch management team by effectively balancing customer needs, sales efforts, regulatory requirements and sound operational practices.
• Demonstrate sound decision making by approving exception items and transactions; through the review of overdrawn accounts and determination on whether or not to pay items; and by identifying when situations require escalation or knowledge from an outside resource, and how to effectively access that resource to ensure a superior customer experience.
• Provide assistance and approvals on various transactions including cash overrides, wires, and over limit transactions.
• Perform operational functions including routine guide, overdraft decisions, payroll approvals, and callback.
• Provide guidance and help resolve more complex issues.
• Audit, correct, and update records, files authorizations, etc. held at branch.
• Cross-train employees on various positions and tasks within the branch.
• Provide input on recruitment, selection, training, and performance feedback for employees.
• Lead daily operational tasks ensuring they occur within required time frames.

Non-Essential Functions: 

• Lead various operations, tasks, and special projects as needed.

MINIMUM QUALIFICATIONS

Knowledge, Skills and Abilities:

• Thorough knowledge of equity and non-equity consumer loan product suite including lending requirements, loan process, and related software products.
• Knowledge of business deposit accounts and services and ability to refer.
• Full knowledge of branch operational procedures.
• Full knowledge of applicable state and federal banking regulations and can instruct others to ensure overall branch compliance.

Licenses and Certifications:

• National Mortgage Licensing System (NMLS) registration in accordance with the terms of the Safe Act of 2008.

Physical Requirements: 

• Ability to stand, bend, stoop, sit, walk, twist and turn.
• Ability to lift up to 25 pounds occasionally (up to 50 pounds with assistance.)
• Ability to use a computer, laptop, tablet, keyboard, smart phone and calculator.
• Work environment is indoors, majority of the time is spent standing and/or sitting alternatively in an open environment, at a teller window and a desk as well as walking between various work areas within the Bank.

Education and Experience:

A combination of education and experience equivalent to a high school diploma; and knowledge typically gained through a minimum one year of experience as a Relationship Banker. Must successfully demonstrate thorough knowledge of Consumer Deposit and Lending products and Bank electronic products and delivery methods. Must consistently meet or exceed sales goals. Must successfully demonstrate knowledge of branch operational procedures.

Compensation

The hiring range for this position is $21.95 to $28.00 per hour. The compensation offered will fall within this range commensurate with the candidate's applicable experience, education and skills.