Assistant Relationship Banking Officer
Overview: Heritage Bank has an exciting opportunity to join our organization! The Spokane Commercial Banking team is seeking an assistant relationship banking officer who will focus on the client experience, sales, and support activities through the development and management of client relationships. This position has a primary responsibility of supporting in market bankers meeting established service level expectations. Additionally, this position independently represents the bank with an emphasis on client retention and expanding business within existing portfolio(s), in new deposit, treasury management, and all ancillary products and services, within an assigned market area. This position is fully on-site in Spokane, Washington. Base Salary Range: $80,168.40 - $103,352.00annual The Role at a Glance: Serves as trusted relationship manager for new and existing client relationships. Manages all aspects of a business and non-profit deposit portfolio, focusing on retention and expansion opportunities. Actively participates in business development calls. Consistently meets/exceeds goals and metrics for deposit growth, fee income, prospect calling, and client visits. Effectively utilizes corporate technology to document and track client interactions. Fosters and maintains cohesive partnerships and professional working relationships with all lines of business within the Bank. Works closely and respectfully with support team members and business partners for client servicing and sales activities. Independently and proactively partners with commercial banking team and assists with operational and transactional activities. Works directly with clients to communicate all relationship management activities, adhering to and meeting service level expectations and compliance requirements. Actively orchestrates and leads the customer on-boarding process and ensures the timely and accurate transition of services and client follow up resulting in a delightful customer experience. Mentors other team members in the development and implementation processes, as needed. Independently prepares and presents relationship reviews, proposals, and responses to formal Requests for Proposals (RFP’s) with the highest accuracy and in a timely manner. Maintains an in-depth knowledge of entire product suite as well as a current knowledge of external conditions including competition, demographics, and regulatory requirements to ensure client needs are met. Actively works the service desk and independently resolves complex product and service inquiries from clients, team members and business partners. Actively participates in the market area’s marketing and sales promotions; participates in market functions and community activities to promote the Bank’s image and growth. Represents the Bank in the local community by attending events, volunteering, and participating in nonprofit boards and committees. Opens accounts in accordance with all account opening compliance requirements and account ownership verification procedures. Minimizes risk by identifying potential fraudulent transactions. Completes account documentation according to bank guidelines. Serves as a commercial documentation primary resource and subject matter expert, within assigned market area, and assist other team members as needed. May originate and process consumer loan and small business loan requests. Actively refers commercial and mortgage loans, and partners with other lines of business to achieve established production goals. May perform paying and receiving duties, as needed, in accordance with established Standard Operating Procedures and assigned Authority Limits. Maintains proficient knowledge of, and ensures bank activities are performed in compliance with, all state and federal banking laws and regulations applicable to areas of responsibility. Ensures Bank activities are performed in compliance with the Bank’s Policies and Standards, in partnership with Enterprise Risk Management and other internal banking partners. Requirements: Bachelor's Degree Business, Finance, Accounting, Marketing or relevant discipline - preferred. 5 years recent experience in relationship building/portfolio management (i.e., commercial deposit, treasury management, senior personal banker, consumer and/or small business lender role) providing financial expertise, counsel and customized solutions to business clients, with proven experience successfully managing complex deposit relationships in a financial services industry required. Expert and current working knowledge of commercial deposit documentation, consumer lending, small business lending and treasury management products required. Equivalent combination of education, training and experience may be considered. Provides an exceptional level of quality service for internal/external customers; responds to customers' needs, questions, and concerns in an accurate, effective, and timely manner. Customer-centric mindset, with the ability to translate customer issues/needs into profitable business solutions. Exceptional networking and relationship building skills, with demonstrated expertise and success in business development, sales processes and strategies, and ability to proactively call upon and maintain client relationships and cross-sell the Bank’s suite of services with confidence, as well as effectively cross-train these skills. Proactive business and nonprofit deposit portfolio management proficiencies for retention and expansion of relationships. Highly effective listening, verbal, written and telephone etiquette business communication skills, including effective questioning strategies, influencing and presentation skills; ability to read, write, speak, and understand English well. Proven ability to develop and maintain open, professional, positive, and productive relationships; demonstrate cooperative behavior with management, business partners, customers and co-workers, and work effectively as a team member. Advanced and comprehensive knowledge of all bank products and services to include treasury management services, and banking rules and regulations including complex account ownerships. Comprehensive knowledge and understanding of debit/credit relationships and negotiable instruments; math skills to locate routine and non-routine mathematical / cash errors, to accurately process and adhere to customer instructions. Thoroughly understands and applies principles, procedures, compliance requirements, state/federal regulations, and policies related to position and assigned area. Ability to work effectively as a team contributor on all assignments as well as the ability to work independently while understanding the necessity for communicating and coordinating work efforts with other employees and departments. Ability to analyze and synthesize information accurately and effectively, and decide key priorities with confidence, motivation, decisiveness, flexibility, and sound business judgment. Detail oriented with advanced organizational, problem solving and time management skills; with the ability to manage multiple assignments and goals, ensuring that priorities are set, and commitments and deadlines are met, with minimal direction and/or supervision. Proven ability to deliver results; strong planning and follow up skills, demonstrating a strong sense of urgency and ability to execute quickly, timely and efficiently. Unquestionable integrity in handling sensitive and confidential information required. Proficient PC experience using MS Office products (Word, Excel, Outlook) and working knowledge of financial services industry core processing and automated banking systems, with the ability to learn and adapt to new technologies quickly. Experience using CRM systems / applications – required. This position may require National Mortgage Licensing System and Registry (NMLS) registration under the terms of the SAFE Act of 2008 and may require Notary registration. Continued employment in this position with Heritage Bank may be contingent upon successful registration and annual re-registration thereafter. Work Environment: Climate controlled office environment. Work involves being able to concentrate on the matter at hand, under sometimes distracting work conditions and frequent employee and customer contacts and interruptions during the day Work requires willingness to work a flexible and/or rotating schedule which may require evening work. Depending on location, may be exposed to potential risk and hazards associated with criminal activity (e.g., robbery and/or attempted robbery, fraud, security) - receives detailed instruction to minimize risk. Physical Demands: Work may involve the constant use of computer screens, reading of reports, and sitting throughout the day. Ability to operate a computer keyboard, multi-line telephone, photocopier, scanner, facsimile, which often requires dexterity of hands and fingers with repetitive wrist and hand motion. Typically sitting at a desk or table; intermittently standing, stooping, bending at the waist, climbing, kneeling or crouching to file materials. Occasional lifting 10 lbs. (files, boxes). As part of our team you’ll enjoy a total rewards package, which includes base salary based on the role, experience, and skill set, along with an exceptional benefits package (medical, dental, vision, life insurance, 401(k), community volunteer time), and generous time off policy. Full-time team members receive a minimum of 10 paid vacation days annually* and eight hours of paid sick leave per month*, while also enjoying 11 paid holidays each calendar year, and an annual float day. Heritage Bank is an Equal Opportunity Employer Salary Range Disclaimer The base salary range represents the min, mid and max of Heritage Bank’s salary range for this position. Actual salaries will vary depending on factors including, but not limited to, qualifications, experience, and job performance. The range listed is just one component of Heritage Bank’s total compensation package for full time and part time employees. Depending on position, other total compensation rewards may include monthly, quarterly or annual incentive, and/or bonuses. *mon
