Title: Consumer Banker
Reports to: Retail Services Manager
Position Type: Full Time, exempt
Job Location: Omaha, NE - 18924 Evans St., Omaha, NE 68022 or 16949 Lakeside Hills Plz., Omaha, NE 68130
Hours: Monday – Friday, 8 am. – 5 p.m.
Work Location: In-office daily – flexible hours subject to supervisor approval.
SUMMARY DESCRIPTION:
The Consumer Banker is responsible for independently managing and developing client relationships through a holistic approach by evaluating individual financial circumstances, identifying financial needs, analyzing credit and deposit opportunities, and recommending and structuring appropriate banking and lending solutions. The position exercises independent judgment in credit analysis and lending decisions within delegated authority and provides individualized financial recommendations consistent with client objectives, Bank policies, credit standards, and regulatory requirements. The Consumer Banker serves as a trusted financial resource to clients while supporting the Bank's growth in core deposits, consumer lending, and overall relationship value.
MAJOR RESPONSIBILITIES/JOB DUTIES:
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Develop, cultivate & expand relationships by providing consistent and effective communication and services to new and existing customers by proactively identifying client financial needs, evaluating appropriate banking and lending solutions, providing individualized recommendations, and developing and maintaining long-term client relationships.
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Manage existing client relationships. Independently assess client financial circumstances, objectives, risk considerations, and existing banking relationships to identify changes in circumstances that may create opportunities or require adjustments and evaluate appropriate deposit and lending solutions. Recommend and structure financial products and services based on the client's individual circumstances and explain the advantages, disadvantages, costs, risks, and implications of available alternatives. Connect client to bank service centers as appropriate to achieve client-approved solutions.
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Achieve established relationship-management, client-service, deposit-growth, and loan-production objectives through consultative financial needs analysis, individualized recommendations, relationship development, and appropriate referrals to Bank specialists.
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Credit Analysis & decision making. Evaluate and make independent credit decisions within delegated lending authority by analyzing borrower financial information, credit history, debt service capacity, collateral, loan-to-value ratios, repayment sources, risk factors, and other relevant information.
- Credit structuring. Exercise professional judgment in determining appropriate credit structures, terms, conditions, and risk mitigations within established bank policy and regulatory requirements.
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Gather client information to facilitate a streamlined account opening process- including completion of loan applications and collection of information required to make credit decisions and open deposit accounts.
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Financial recommendations. Implement client-approved deposit and lending solutions, including opening and servicing deposit accounts and completing required documentation in accordance with applicable bank policies, procedures, and regulatory requirements. [included (but not limited to) checking accounts, savings accounts, certificates of deposit, health savings accounts, IRAs, safe deposit boxes]
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Facilitating 2x2x2 follow-up process to deepen relationship and identify additional financial needs and opportunities within existing client relationships. Recommend appropriate bank products, services, or resources when they would reasonably benefit the client
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Greets customers, delivers prompt and efficient service and provides information about bank products and services.
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Partners with retail, consumer and commercial bankers providing direct and backup support as necessary.
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Actively participate in existing client and potential new client meetings.
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Handle customer complaints with appropriate action to resolve them.
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Understanding features and benefits of banking and lending products including bank deposits, certificates of deposits, credit cards, residential mortgage products, home equity lines of credit, securities-based loans, high net worth tailored lending products & commercial credit products.
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Represent bank in community through networking, speaking/presenting, events and professional involvement to generate new client relationships and deepen existing.
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Follows all required security procedures and policies.
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Project a professional image in dress, manner, communication, and focus.
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Demonstrate commitment, dependability, and respect for team members, including regular and predictable attendance, punctuality, and adherence to agreed-upon schedule of availability.
- Perform physical requirements as described in the Physical Requirements section.
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Special projects and other duties as assigned or needed.
REQUIREMENTS:
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Bachelor’s degree, or equivalent work experience
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Minimum two-year lending (consumer or commercial) & deposit services experience with direct experience in loan origination and deposit growth in the financial services industry
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Demonstrated experience in credit underwriting, reviewing consumer loan applications with calculation and review of debt-to-income ratios, LTV collateral calculations, credit bureau review.
- Demonstrated success in building lasting client relationships and meeting production goals.
- Ability to communicate with external customers and internal employees in a professional manner.
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Outgoing and self –motivated
- Strong verbal and written communication skills
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Knowledge of bank compliance, regulations, and underwriting guidelines
- Patience and problem-solving ability
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Proficient with organizing, facilitating, leading, and negotiating with customers and team members.
PREFERRED EDUCATION AND EXPERIENCE:
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Strong consultative sales and relationship management skills.
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Strong knowledge of deposit and loan products.
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Strong sales and new business development skills
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Thorough knowledge of private banking products & services including credit processes
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Strong networking & business development skills
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Ability to partner with clients to identify and service unique customer needs.
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Excellent presentation, verbal, and written communication skills
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Knowledge working within the Encompass platform.
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Strong organizational and critical thinking skills
WORK ENVIRONMENT: Work in office. Flexible hours subject to supervisor approval. No adverse environmental conditions expected.
PHYSICAL DEMANDS:
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Sedentary work that primarily involves sitting/standing.
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Remaining in a stationary position, often standing, or sitting for prolonged periods.
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Communicating (talking/hearing) with others to exchange information.
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Repeating motions that may include the wrists, hands and/or fingers.
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Vision: Must be able to view computer screen
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Capacity to use critical thinking, judgement and discretion
- Assessing the accuracy, neatness and thoroughness of the work assigned.
Affirmative action plan/equal employment opportunity (AAP/EEO) statement— Arbor Bank maintains a policy of non-discrimination with employees and applicants for employment. No aspect of employment with us will be influenced in any manner by race, color, religion, sex, age, national origin, marital status, disability or any other basis protected by applicable law. We also believe in the principles of the Americans with Disabilities Act (ADA). ADA prohibits employers from unlawfully discriminating against employees or job applicants with disabilities when making employment decisions. We will provide reasonable accommodation to otherwise qualified disabled employees or applicants. If you are unable to submit an application because of incompatible assistive technology or a disability, please contact us at [email protected].
