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Become A Relationship Banker

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Working As A Relationship Banker

  • Selling or Influencing Others
  • Communicating with Persons Outside Organization
  • Establishing and Maintaining Interpersonal Relationships
  • Getting Information
  • Analyzing Data or Information
  • Deal with People

  • Mostly Sitting

  • Stressful

  • $71,550

    Average Salary

What Does A Relationship Banker Do At Capital One

* Live the company values of Excellence and Do the Right Thing
* Act as a Customer Advocate
* Contribute to a customer-centric culture, continuous improvement, innovation and change
* Actively contributes to team’s success
* Own personal development and achievement of required responsibilities and skills-based behaviors to obtain Relationship Banker Certification status; and recertify annually
* Consistently use needs-based assessment tools to analyze and determine customer needs
* Meet with prospects and customers as a result of needs-based conversations in-branch and from other lines of business
* Leverage tools to recommend appropriate solutions in person, on the telephone or via other channels
* Maintain a working knowledge of the complete line of products and services offered; takes responsibility to keep up to date and request assistance for further development needs
* Take an active role in educating customers on other banking channels as well as other products and services
* Fulfill any of our customer’s servicing needs with the intent of enhancing customer retention and engagement
* Ensure all audit and security policies and procedures are followed in accordance with Bank policy and Federal regulations
* Able to travel between branches in assigned local area

What Does A Relationship Banker Do At Bankers Trust

* Monitor and manage client portfolio to assess client’s needs by utilizing CRM
* Open/close/maintain Consumer and Commercial accounts, including checking/savings/CDs/IRAs/Loans, and cross-sell additional bank products and services
* Input Consumer Loan applications, concur with system recommendation, seek proper approval and follow through to closing/denial
* Purchase and Sell Foreign Currency
* Operate a cash drawer to process client transactions which includes deposits, withdrawals, check cashing, loan payments, US Savings Bond redemptions, monetary instrument sales and cash advances
* Review and monitor overdraft decisions
* Identify and refer clients to other areas: Investments, Mortgage, Trust, Merchant Services, Private Banking, Business Banking and Wealth Management
* Complete various service requests which includes wire transfers, stop payments, holds, electronic payment disputes, maintenance, customer complaints, notarization, and check orders
* Answer incoming calls, return phone calls, and greet customers promptly
* Process and validate accuracy of coin and currency amounts related to incoming and outgoing shipments
* Monitor and maintain branch cash supply
* Process assigned reports and/or job duties in an accurate and timely manner
* Complete compliance training as required

What Does A Relationship Banker Do At Santander Bank, Na

* Provide outstanding customer service and ensure sales and referral expectations are consistently met
* Engage and attend weekly partnership meetings and joint calls with Branch partners
* Source new customers through prospecting by making outbound phone calls, referrals from centers-of-influence, in
* Branch activities as well as partners
* Acquire new customers and deepen relationships with existing customers utilizing the Explore process
* Identify opportunities to introduce customers to business partners when appropriate.
* Responsible for growing the profitability, deepening relationships and retention within existing customer base through outbound initiatives , networking and in-person appointments

What Does A Relationship Banker Do At Old National Bank

* Contributes to the banking center’s overall success by meeting defined targets for both sales and service
* Actively participates in weekly sales meetings, call nights, sales blitzes, and other activities to grow sales
* Demonstrates in-depth knowledge of the different banking channels and promotes opportunities to introduce clients to these capabilities; provides customer education and guidance on various self-service solutions including Smart ATMs, online and mobile banking to enhance their service experience
* Proactively resolves a variety of moderate to complex customer maintenance and/or client service problems using available resources for problem resolution, including analysis and understanding of information received from other internal departments such as Loan Operations, Deposit Operations, Internal Bank Support, Reconcilement, Risk Management, etc.
* Maintains well-developed knowledge of all products and services and effectively applies that knowledge to understand and fulfill client needs
* Proactively seeks coaching to develop service and sales skills; shares knowledge and best practices to enhance the team’s skills and performance
* Executes all sales, service, and banking transactions accurately and in compliance with bank policies, procedures, and regulatory requirements
* May assist in mentoring and training of new associates
* May serve as back up to the Banking Center Manager or Assistant Manager to oversee daily branch operations such as opening/closing the branch, ensuring adherence to established bank policies and procedures, researching, and resolving customer issues, etc

What Does A Relationship Banker Do At Huntington National Bank

* Proactively driving sales through assigned customer portfolio, pre-set appointments, outside calling, Centers of Influence, referrals from customers and other partners.
* Consistently developing business through a calling program while also servicing walk in customers.
* Educating both consumer and business customers on leveraging technology in order to drive sales and service.
* Developing key business and community relationships by being active in the community.
* Accurately and efficiently assist on an as needed basis customer transactions while providing exemplary customer service.
* Adhering to all operational, security, risk and regulatory policies and procedures.
* Maintaining knowledge of all products, services, technology and policies to provide the best service to customers.
* Demonstrating acumen in sales, customer service, relationship management, banking, investments, consumer lending, business banking, business lending, communication and presentation

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How To Become A Relationship Banker

A bachelor’s degree is required for entry-level jobs, and a master’s degree in business administration (MBA) is useful for advancement.

Education

Securities, commodities, and financial services sales agents generally must have a bachelor’s degree to get an entry-level job. Studies in business, finance, accounting, or economics are important, especially for larger firms. Many firms hire summer interns before their last year of college, and those who are most successful are offered full-time jobs after they graduate.

Numerous agents eventually get a master’s degree in business administration (MBA), which is often a requirement for high-level positions in the securities industry. Because the MBA exposes students to real-world business practices, it can be a major asset for jobseekers. Employers often reward MBA holders with higher level positions, better compensation, and large signing bonuses.

Training

Most employers provide intensive on-the-job training, teaching employees the specifics of the job, such as the products and services offered. Trainees in large firms may receive technical instruction in securities analysis and selling strategies. Firms often rotate their trainees among various departments to give them a broad understanding of the securities business.

Securities, commodities, and financial services sales agents must keep up with new products and services and other developments. They attend conferences and training seminars regularly.

Licenses, Certifications, and Registrations

Brokers and investment bankers must register as representatives of their firm with the Financial Industry Regulatory Authority (FINRA). To obtain the license, potential agents must pass a series of exams.

Many other licenses are available, each of which gives the holder the right to sell different investment products and services. Traders and some other sales representatives also need licenses, although these vary by firm and specialization. Financial services sales agents may need to be licensed, especially if they sell securities or insurance. Most firms offer training to help their employees pass the licensing exams.

Agents who are registered with FINRA must attend continuing education classes to keep their licenses. Courses consist of computer-based training on legal requirements or new financial products or services.

Although not always required, certification enhances professional standing and is recommended by employers. Brokers, investment bankers, and financial services sales agents can earn the Chartered Financial Analyst (CFA) certification, sponsored by the CFA Institute. To qualify for this certification, applicants need a bachelor’s degree or 4 years of related work experience and must pass three exams, which require several hundred hours of independent study. Applicants also must have an international passport. Exams cover subjects in accounting, economics, securities analysis, financial markets and instruments, corporate finance, asset valuation, and portfolio management. Applicants can take the exams while they are getting the required work experience.

Advancement

Securities, commodities, and financial services sales agents usually advance to senior positions in a firm by accumulating a greater number of accounts. Although beginners often service the accounts of individual investors, they may eventually service large institutional accounts, such as those of banks and retirement funds.

After taking a series of tests, some brokers become portfolio managers and have greater authority to make investment decisions regarding an account. For more information on portfolio managers, see the profile on financial analysts.

Some experienced sales agents become branch office managers and supervise other sales agents while continuing to provide services for their own clients. A few agents advance to top management positions or become partners in their firms.

Many investment banks use an “up or out” policy, in which entry-level investment bankers are either promoted or terminated after 2 or 3 years. Investment banks use this policy to ensure that entry-level positions are not occupied long term, allowing the bank to bring in new workers.

Important Qualities

Analytical skills. To judge the profitability of potential deals, securities, commodities, and financial services sales agents must have strong analytical skills. This includes computer programming skills which they use to analyze financial products. 

Customer-service skills. Securities, commodities, and financial services sales agents must be persuasive and make clients feel comfortable with the agent’s recommendations.

Decisionmaking skills. Investment banking traders must make split-second decisions, with large sums of money at stake.

Detail oriented. Investment bankers must pay close attention to the details of initial public offerings and mergers and acquisitions because small changes can have large consequences.

Initiative. Securities, commodities, and financial services sales agents must create their own client base by making “cold” sales calls to people to whom they have not been referred and to people not expecting the call.

Math skills. Securities, commodities, and financial services sales agents need to be familiar with mathematical tools, including investment formulas.

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Top Skills for A Relationship Banker

AdditionalFinancialNeedsOutstandingCustomerServiceLoanApplicationsMonthlySalesGoalsCreditCardsFinancialAdvisorsBankProductsClientRelationshipsATMEquityBankPolicyBusinessAccountsResearchCustomerInquiriesFederalRegulationsFinancialServicesCross-SellFinancialProductsCustomerRetentionBusinessPartnersCustomerSatisfaction

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Top Relationship Banker Skills

  1. Additional Financial Needs
  2. Outstanding Customer Service
  3. Loan Applications
You can check out examples of real life uses of top skills on resumes here:
  • Managed existing client relationships as well as updating their profiles to identify additional financial needs.
  • Enhance customer experience by taking a lead role by providing outstanding customer service.
  • Audited and verified all new banking accounts and loan applications opened by bankers insuring proper identifications were obtained.
  • Assisted the manager in running the office, scheduling, and achieving the office's monthly sales goals
  • Specialized in products including checking, savings, and credit cards.

Top Relationship Banker Employers

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