Relationship Banker

THE ROLE

The Relationship Banker is the face of Carver in every client interaction, the person who turns a first visit into a lasting relationship, a need into a solution, and a transaction into a conversation that builds trust over time.

At Carver, we do not hire order-takers. We hire advisors. The Relationship Banker is expected to know clients by name, understand their financial goals, and bring the full weight of what Carver offers to every conversation. This is a production role with real goals, real accountability, and a direct opportunity to make a measurable difference in the financial lives of the people Carver was built to serve.

The communities of Harlem, Brooklyn, and Queens deserve banking that feels personal, informed, and invested in their outcomes. The Relationship Banker is how that promise becomes reality on the floor of every branch, every day.

RESPONSIBILITIES

Client Relationship Development

Build a dedicated book of client relationships by proactively reaching out, following up on appointments, and creating a service experience that clients remember and return for
Conduct thorough financial needs assessments with every client, asking the right questions, listening with intention, and recommending products and services that genuinely fit their situation
Own the relationship from the first conversation through account opening, first referral, next product, and every meaningful moment in between
Deepen existing client relationships by regularly reviewing account activity, identifying unmet needs, and initiating outreach before clients have to ask for help
Sales Production and Goal Achievement

Meet and exceed individually assigned production goals across new accounts, deposits, consumer lending referrals, digital enrollment, and products per household, with the understanding that goals exist to grow the business and the client relationship simultaneously
Maintain a personal pipeline of prospect and client activity, tracking outreach, appointments, and follow-up so that no opportunity is overlooked
Contribute to branch deposit growth targets by actively growing balances within the existing book and acquiring new households through referrals, community engagement, and personal outreach
Refer clients to internal partners including consumer lending, mortgage and small business when their needs extend beyond the core deposit relationship, ensuring every referral is warm, informed, and followed up on
Participate actively in branch sales huddles, contribute to the daily goal-setting conversation, and hold yourself accountable to the commitments made to the team

Advisory Approach and Product Knowledge

Develop and maintain deep knowledge of Carver's full product suite including personal and business checking, savings, money market accounts, certificates of deposit, consumer loans, digital banking, and any new products introduced during the transformation
Present solutions with confidence and clarity, explaining features and benefits in language that a client with no banking background can understand and act on
Stay current on competitive rates, market conditions, and the financial products offered by key competitors in Carver's markets so that every client conversation is grounded in real knowledge
Introduce clients to Carver's digital tools as a natural extension of the in-branch relationship, demonstrating mobile banking, online account access, and self-service features that make the client's life easier

Client Experience and Service Standards

Deliver a client experience that is warm, professional, and consistent regardless of transaction type, account balance, or how long the client has been with Carver
Resolve client concerns and complaints with urgency, sound judgment, and a commitment to keeping the relationship intact, escalating to the Branch Manager when the situation requires it
Create intentional moments in every interaction that leave clients feeling genuinely valued, not processed, and connected to Carver's mission

Operational Compliance and Risk Awareness

Complete all account opening, maintenance, and transaction documentation accurately and on time, maintaining an error-free record as a baseline expectation
Adhere to all regulatory requirements including BSA/AML, OFAC, CRA, and Regulation E, with the understanding that compliance is a component of client protection
Identify and escalate potential fraud, suspicious activity, or operational exceptions to the Branch Manager immediately

Team Contribution and Branch Partnership

Support the Branch Manager and Assistant Branch Manager by contributing to team production targets, participating in coaching conversations, and maintaining the energy and culture of the branch floor
Support the development of Banking Associates by modeling the advisory standard and sharing product knowledge and client engagement techniques

QUALIFICATIONS

Required

1 to 3 years of retail banking, financial services, or client-facing sales experience with a demonstrated record of meeting or exceeding production goals
Working knowledge of deposit products, consumer lending concepts, and digital banking tools
Proven ability to build trust quickly, communicate clearly, and hold a client-first orientation under pressure
Basic familiarity with BSA/AML requirements, OFAC screening, and Regulation E obligations
NMLS registration required within 30 days of hire
High school diploma required; associate or bachelor’s degree preferred

Preferred

Experience in a community bank, CDFI, or MDI environment
Bilingual fluency in Spanish, Haitian Creole, French, or other languages spoken across Harlem, Brooklyn, and Queens