Join our team at
Exchange Bank
Exchange Bank is looking for an experienced Relationship Banker - Manager on Duty (MOD) to work with our St. Francis Team
Do you excel at customer service?
Do you enjoy working with the public?
Do you enjoy working on a team with wonderful people who genuinely care about each other?
If this sounds like you, Exchange Bank may be your next great career opportunity!
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.
Relationship Bankers who serve as a "Manager on Duty" (MOD) are responsible for leading the branch in the absence of branch management.
ESSENTIAL FUNCTIONS:
Relationship Banker II - Manager on Duty
Performs all duties of a Relationship Banker I with the addition of the following:
Customer Experience: 20%
-Build upon the collective team knowledge and success by mentoring and coaching newer Relationship Bankers.
Sales: 50%
-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.
Operations Leadership: 20%
-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: 10%
-Lead various operations, tasks, and special projects as needed.
Relationship Banker III - Manager on Duty
Performs all duties listed above with the addition of the following:
Customer Experience: 10%
-Ensure an ongoing positive customer experience by partnering with the Branch Manager to actively support existing borrower relationships.
Sales: 60%
-Identify and recommend small business loan products through interviewing and understanding the customer's business needs. For loans up to $100,000, provide and accept loan applications including collecting financial documents from customer as needed. Provide guidance on more complex loan transactions.
-Provide consistent leadership and support of sales efforts through one-on-one coaching, branch huddles, and brainstorming creative solutions to customer needs.
Partner with Branch Manager and the Business Banking Department to facilitate rate requests and approvals for your customer.
-Partner with the Branch Manager and other Calling Officers on outbound calls to prospective and existing customers.
-Provide support to Branch Managers on business borrowing relationships over $100,000 by gathering and providing necessary documentation.
-Conduct outbound calling efforts, including attendance at networking events.
Operations Leadership: 20%
Non-Essential Functions: 10%
SUPERVISORY RESPONSIBILITIES
-None
MINIMUM QUALIFICATIONS
Knowledge, Skills and Abilities:
Relationship Banker II- Manager on Duty
-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.
Relationship Banker III- Manager on Duty
Demonstrates the knowledge, skills, and abilities listed above with the addition of the following:
-Thorough knowledge of small business product suite including lending requirements, loan process, and loan submission requirements.
-Full knowledge of all banking systems used in the branches and able to instruct others in the use of these systems.
-Full Knowledge of applicable state and federal banking regulations and can instruct others to ensure overall branch compliance.
-Ability to provide coaching and instruction to others on complex matters involving high levels of detail.
-Ability to attend early morning and evening meetings and events.
Licenses and Certifications:
Relationship Banker II and III
-National Mortgage Licensing System (NMLS) registration in accordance with the terms of the Safe Act of 2008.
-Must maintain a valid CA driver's license.
Physical Requirements:
Relationship Banker II and III
-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:
Relationship Banker II- Manager on Duty
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.
Relationship Banker III- Manager on Duty
A combination of education and experience equivalent to a high school diploma; and knowledge typically gained through a minimum two years' experience as a Relationship Banker. Must successfully demonstrate thorough knowledge of Small Business product suite and the ability to effectively coach others. Must consistently meet or exceed sales goals. Must successfully demonstrate knowledge of branch operational procedures.
If you would like to see all of our current job opportunities, please go to www.exchangebank.com, click on About, then Join Our Team.
Who We Are
Established in 1890, Exchange Bank is one of the most unique community banks in the United States because of our history, ownership and legacy. Our employees enjoy a work environment that values a work/family balance, encourages community involvement and provides a competitive compensation and benefit package.
We are proud to have been voted "Best Place to Work" in North Bay Business Journal for the past 18 years!
Our Mission - From generation to generation, we invest in people, business and community to build a strong future.
Our Core Values - Commitment, Respect, Integrity, Teamwork
Exchange Bank is proud to be an Affirmative Action/Equal Opportunity Employer.
All qualified applicants will receive consideration for employment without regard to race, color, religion, sex, or national origin. We are also an equal opportunity employer of individuals with disabilities and protected veterans.