Relationship Banker/Loan Assistant (Bilingual in English & Spanish)

***This candidate must be fluent in both English & Spanish***

POSITION PURPOSE

This position acts as a customer advisor and navigator throughout the bank, uncovering, understanding, and acting upon financial cues to meet the customer’s needs. Also perform administrative and clerical duties inherent in the processing of loans using knowledge of bank practices, policies, and organization. This employee offers the customer the highest degree of service and promotes all Alliance Bank’s products and services.

SKILLS, KNOWLEDGE, AND PHYSICAL REQUIREMENTS
1. High School diploma or equivalency.

2. Ability to read, write, and speak the English language, bilingual in Spanish required.

3. Ability to offer Alliance Bank’s products and services.

4. Four (4) years of experience in banking or job-related field and three (3) years of training and/or education in the field or a combination of education and experience providing equivalent knowledge.

6. Ability to perform administrative functions.

7. Ability to respond to customer requests with tact, diplomacy, and a sense of urgency.

8. Ability to meet performance expectations and job description functions for the role of a Service Specialist.

9. Ability to prioritize own tasks and responsibilities to ensure that excellent service to our customers is accomplished before most administrative functions are processed.

10. Ability to handle multiple tasks within a prescribed time period and adapt to frequent or unexpected changes in work responsibilities or processes.

11. Ability to operate basic office equipment including a PC with job related software.

12. Ability to handle bank and customer transactions with a high level of confidentiality.

13. Knowledge of state and federal regulations.

14. Knowledge of Alliance Bank’s policies and procedures.

15. Knowledge of Alliance Bank’s products and services.

16. Schedules are prepared based on business need and subject to change at any time. This may include the need for evenings, weekends, or holiday coverage.

17. Office setting with moderately varied desk-oriented activity.

18. Repetitive movement of finger, wrist, and hand.

19. Ability to stand, bend, stoop, squat, and kneel.

20. Ability to lift 50lbs.

21. Ability to present a professional demeanor at all times.

22. Ability to handle stressful situations through organization.

ESSENTIAL FUNCTIONS AND BASIC DUTIES

1. Personify Alliance Bank’s mission statement of The best in all we do.

2. Actively sell and cross-sell bank services.

3. Provide prompt, courteous, and friendly service.

4. Provides professional services to the bank’s customers by prompt acknowledgment of the customer, maintaining a friendly and courteous demeanor, ensures customer satisfaction on transaction requests and presents a professional image.

5. In the addition to the duties of a Service Specialist, a Relationship Banker I is expected to accurately and efficiently complete other customer transactions, including but not limited to:

a. Issue, Print, Maintenance, and Pin Debit cards.

b. Place Stop payments, and order checks through Deluxe website.

c. Ability to perform Dormant Account Maintenance.

d. Accept and input wires for customers.

e. Ability to print statements, and research images of checks and deposit.

f. Assist customers with digital banking products such as online banking, mobile applications, e-statements.

6. Knowledge of Consumer Account products, but not limited to:

a. Deposit and Savings account types and features

b. Certificate of Deposits/IRAs basic information

c. Estate Accounts

d. Revocable Trust

e. Minor Accounts

f. Safe Deposit Boxes – Opening new boxes and entry access into box

7. Knowledge of Business Account Types, but not limited to:

a. Deposit and Savings account types and features

b. Certificate of Deposits

c. What is required for small business customers such as Sole Proprietorships, Partnerships, Unincorporated Associations

8. Ability to Interview New Account customers and preforms other functions such as setting up customer records, verifying references, holding uncollected funds.

9. Open and Maintenance new accounts and sells Certificates of Deposits.

10. Ability to follow data integrity procedures by reviewing documentation, checking back work, imaging and indexing daily work.

11. Ability to discover other customer needs to cross sale/send referrals for other services including but not limited to:

a. Alliance Bank Mortgage

b. Alliance Bank Financial Services (ABFS)

c. Gaylean Insurance

d. Merchant Services

e. Remote Deposit Capture

12. Handle clerical phases of consumer loans including but not limited to:

a. Assist Customers with rates, terms, and options

b. Give appropriate applications and initial disclosures

c. Review applications and other required documents for completeness

d. Prepare consumer loans and documents

e. Fund or book consumer loans

13. Assist customers with account fraud such as identity theft, account take over, counterfeit checks, forgery items, debit card disputes, ACH disputes.

14. May preform vault duties such as ordering/shipping currency and coin and distributing money to other service specialists.

15. Serve as liaison between customer and officer or underwriter in providing information to each as required.

16. Prepare necessary forms and letters to assist officer in working past dues and exceptions; maintaining current listing to ensure that the officer has such information.

17. Prepare maturing loan report to assist the officer with preparing for future renewals.

18. Screen telephone calls and maintain appointment schedule.

19. Prepare loan documents, new and renewed, and all supporting documents.

20. Responsible for inputting and verifying imaged data for their respective branch and/or other branches.

21. Work the exception list to clear any account monitoring, policy, or collateral exceptions.

22. Follow up on any past due loans and attempt to collect timely payments from the customer.

23. Work the daily overdraft and NSF list and correspond with customers

24. Establish, retain, and deepen relationships with banking center customers and potential customers to achieve sales goals and provide quality customer service.

25. Keep updated on all Alliance Bank policies and procedures pertaining to this position.

26. Attendance and punctuality a must.

Job Type: Full-time

Experience:

• Banking: 3 years (Required)
• Lending: 1 year (Preferred)
• Customer service: 3 years (Required)

Language:

• English and Spanish (Preferred)

Work Location: In person