Banking Relationship Specialist

Job Summary

The Banking Relationship Specialist (BRS) is responsible for providing excellent customer service and sales and performing teller transactions for clients at branch locations. This includes functioning as both a Banking Relationship Specialist and Teller as deemed necessary when the branch experiences a greater volume of client traffic. The BRS is responsible for assisting in account set-ups by completing administrative forms and processes, researching, and resolving account problems and conducting essential follow-up with clients as necessary and in accordance with established Bank policies and procedures. 

Essential Duties 

• Consult with clients and prospects about their financial goals and needs and identify and promote F&M products and services that best meet those requirements. 
• Actively cross-sell Bank products by leveraging sales opportunities in assigned branch and by referring clients to other F&M departments for additional needs.
• Address and resolve client concerns to maintain valued client relationships.
• Open new personal and business accounts and/or perform maintenance in compliance with established policies and procedures. 
• Explain Bank procedures and requirements prioritize work to maximize customer service, ability to deal with frequent interruptions and utilize strong problem-solving skills. 
• Support innovative marketing campaigns and product launches. 
• Quote rates, terms, and fees on Bank products. 
• Collect and review all account documentation and assume responsibility for its proper completion. 
• Completes daily maintenance to client’s accounts such as, change of address, check reorders, ordering copies of statements, and changing signers.
• Process client requests by mail such as deposits, transfers and setup or cancellation of automatic withdrawals. 
• Research and resolve client account problems by communicating with departments on check encoding errors, deposits not credited and interest adjustment.
• Perform routine teller transactions as needed.
• Comply with Bank security guidelines and procedures. 
• Comply with federal & state internal regulations.
• Identify transactions with potential fraud or suspected Elder Abuse and notify Branch Management.
• Take personal responsibility for developing and maintaining knowledge required to fulfill job functions. 
• Perform outbound client contact to establish and build relationships.

Banking Relationship Specialist Levels & Classifications

The Banking Relationship Specialist position has multiple levels, and each level is defined in the Banking Relationship Specialist Classifications document. The Reserve Banking Relationship Specialist Classifications document will include additional essential duties and required knowledge and skills for each level. 

Non-Essential Duties 

• File Maintenance

Required Knowledge 

• Regulation CC
• Regulation DD
• Regulation E (EFT) Overview
• Regulation BB (CRA) Overview
• Regulation B (ECOA) Overview 
• Regulation C (HMDA) Overview
• Regulation X (RESPA) Overview
• Regulation Z (Truth in Lending) Overview  
• Bank Secrecy Act
• FDIC Insurance 
• Privacy Laws
• Teller Operations and Procedures
• Complaint Documentation Policy

Complies with all State and Federal Banking regulatory requirements, including but not limited to: BSA, Anti-Money Laundering OFAC, CIP, Financial Elder Abuse Reporting, Sexual Harassment, Information Security, and privacy requirements. This position will elevate suspicious activity to supervisory staff and/or BSA department. Completes compliance and other technical training workshops as assigned.

Basic Knowledge, Skills, and Abilities<