Banking Specialist

Banking Specialist

Job Description:

Playing a vital role within the branch team, the Personal Banker is focused on attracting fresh clientele, enhancing existing partnerships, and aiding clients in developing trust to meet their financial aspirations. The position demands a customer-centric approach, a strong inclination towards sales, exceptional communication proficiencies, and the ability to work well within a team. KeyBank prides itself on supporting clients in progressing along their financial journey and offering a banking experience that epitomizes relentless dedication to their needs.

Responsibilities:

• Encourages the cultivation of a culture centered around enhancing the client journey, by prioritizing active participation and understanding of the influence that interactions can have on individuals and teams, in terms of their personal well-being, career development, and financial success.
• Be attentive to client discussions for indications of areas where financial well-being can be enhanced and provide individualized guidance for improving their financial situation.
• Demonstrates consistent adherence to individual task requirements and expected behavior.
• Establishing both personal and commercial accounts, encompassing consumer checking, small business banking solutions, different deposit services, home equity financing, unsecured borrowing alternatives, and certificate investment options.
• Building robust collaborations with branch team members and cross-functional partners to drive customer growth and enhance engagement with current clients, alongside adeptly overseeing influential contacts both within and outside the company.
• Compliance with operational, risk, security, and audit guidelines, including the accurate documentation of client engagements.
• Aiding in branch operations by helping with client transactions at the Teller line as necessary.
• Take part in and on occasion help organize morning check-ins and post-work discussions.
• Expected to carry out any other assigned tasks; roles, obligations, or tasks could be altered, or fresh ones might be designated at any given moment, with or without advance warning.
• Consistently follows all KeyBank policies and guidelines, which encompass behaving in a professional manner, upholding ethical standards, preventing conflicts of interest, and always working in the best interests of Key and its clients.

Education Qualifications:

• Successful completion of high school, GED program, or similar professional practice is a requirement
• Bachelor's Degree (preferred)

Experience Qualifications:

• At least one year of involvement in fostering current and prospective customer connections, attaining sales objectives, and establishing referral networks is a prerequisite. The emphasis is on sales experience rather than financial services background for the position at KeyBank. KeyBank is equipped to provide the necessary support and education, but they value individuals who are adept at cultivating relationships, possess a natural curiosity, and excel at initiating meaningful conversations as essential traits for successful relationship development. (obligatory)
• Debt-to-income ratio signifies the percentage of an individual's monthly income that goes towards debt payments. This metric is crucial for lenders in evaluating an individual's ability to manage additional credit or loans
• Fundamental grasp of sales and customer service strategies with individuals, such as remote consultations, cold calling, identifying potential clients, and establishing networks. (mandatory)
• Proficient in communicating effectively with small business clients, handling resistance, and conducting investigative conversations with the aim of providing assistance
• Past demonstrated expertise in exerting influence over business associates and capitalizing on influential networks is pivotal for this position, as it necessitates substantial impact on partners like Key Investment Services, Mortgage, and Business Banking sales personnel. (necessitated)
• Essential skills include familiarity with PCs, particularly in operating systems like MS Windows and using Office tools such as Word and Excel
• Necessary skills include a practical understanding of digital technology (including mobile devices, apps, and web browsing) and the capability to guide clients on utilizing digital platforms and features available in Key

Physical Demands:

• Prolonged standing
• Repeated handling of materials with hands
• The skill of articulating thoughts clearly both in personal discussions and over telephone calls
• Infrequent bending and handling items at lower levels
• Frequent forward reaching
• Repeatedly handling loads ranging from 1 to 10 pounds; occasionally dealing with weights of up to 30 pounds.

Tactical Skills:

• Shows expertise in understanding the client's accounts and relationship with the financial institution and demonstrates good judgment in customer interactions and financial transactions
• Shown proficiency in meeting sales and referral objectives through planned meetings and effective dialogues that result in proposals to help customers achieve their financial well-being targets, utilizing lead lists provided by the system, walk-in customers, and established professional relationships
• Showing a diligent attitude towards work and maintaining a strong sense of integrity
• Strong aptitude for efficient time organization

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