Reporting to the Business Banking Officer, the Deposit Relationship Banker is responsible for driving deposit growth by identifying, attracting, and onboarding new customers. This role builds long-term relationships through proactive outreach, community engagement, and exceptional service. The officer will promote Peoples Bank's full suite of deposit solutions customized to each client's needs. Success in this role requires a blend of consultative sales skills, market awareness and relationship management expertise with an unwavering commitment to compliance, customer satisfaction, and the Bank's core Vision, Mission and Values.
Business Development and Client Relationships: 70%
Build and grow the Bank's deposit portfolio by identifying prospective clients, uncovering their needs, and presenting tailored deposit solutions. Actively engage in networking, referrals, and community outreach, maintaining a visible presence in the local market. Represent the Bank at community events, business expos and networking functions to strengthen brand awareness and generate quality leads. Nurture relationships with new and existing clients through ongoing follow-up to ensure satisfaction and uncover additional opportunities. Collaborate with market presidents, bankers and frontline staff to deepen customer relationships and connect them with the right Bank resources Develop and use tools to track outreach activities, manage the sales pipeline and measure progress toward deposit growth goals.
Product Expertise and Advisory: 15%
Educate clients on the benefits and features of the Bank's deposit products, tailoring recommendations to personal or business financial goals. Maintain deep knowledge of all deposit offerings, rates, promotions, and Cash Management services. Provide expert guidance on account structures - personal, business, money market, CDs - and match solutions to customer priorities like liquidity, growth, and safety. Monitor local market trends and competitor offerings to refine outreach strategies and recommendations. Partner with the Cash Management Team to deliver comprehensive deposit solutions.
Operational, Compliance, and Location Support: 10%
Guide clients through the account opening process, ensuring a seamless experience and full compliance with KYC, CIP, and other regulatory requirements. Coordinate with frontline staff to support onboarding, documentation, and smooth hand-offs.
Other: 5%
As part of the overall Peoples Bank team, provide assistance with other initiatives or activities as requested.
COMPETENCIES:
Sales Drive & Initiative:
Self-motivated to achieve and exceed deposit growth goals through outbound prospecting, networking, and timely follow-up. Consistently seeks opportunities to expand the Bank's deposit base and develop a strong referral network.
Customer Relationship Building:
Naturally connects with others, builds trust quickly, and sustains long-term relationships with both business and personal clients. Proactively deepens relationships by identifying evolving needs and offering value beyond the initial account opening.
Community Engagement & Market Awareness:
Actively represents the Bank in community and business settings, strengthening its presence and credibility. Monitors local market trends, business needs, and competitive activity to adapt strategies and remain relevant.
Product & Financial Acumen:
Possesses in-depth knowledge of deposit products and Cash Management solutions. Clearly explains account types and features, aligns them to client goals, and identifies opportunities based on market conditions and customer needs.
Regulatory Awareness & Operational Accuracy:
Applies KYC, CIP, AML, and other regulatory requirements with precision during account openings and customer interactions. Maintains exceptional attention to detail and ensures all activities comply with Bank policies.
Collaboration & Team Orientation:
Partners effectively with market presidents, branch managers, loan officers, and operations staff to deliver exceptional client service and support shared growth goals. Contributes to a positive, team-driven culture.
Oral/Written Communication:
Engages clients with clear, confident, and professional communication-both verbal and written. Uses thoughtful questions and active listening to understand needs, then presents solutions in a way that builds trust .
Adaptability:
Adjusts quickly to shifting priorities, client demands, and evolving market conditions. Maintains composure under pressure and focuses on achieving client-focused outcomes.
Time & Pipeline Management:
Organizes outreach, follow-ups, and relationship development using tracking systems. Prioritizes high-impact activities while balancing short-term tasks with long-term relationship building.
EDUCATION AND SPECIAL REQUIREMENTS:
Minimum of five years of success in relationship-based sales, business development, or client acquisition. Proven ability to meet growth targets, develop long-term relationships, and proactively acquire new clients. Associates or bachelor's degree in Business, Finance, Marketing, or related field preferred; equivalent experience accepted in place of formal education. This job requires skills needed in a typical office environment. This includes communications skills, computer skills such as, but not limited to, a working knowledge of Microsoft Office software, as well as utilization of typical office equipment. Valid driver's license is required; frequent travel within the metro market is required. Occasionally lift and carry up to 15-25 pounds (e.g., coin bags, office supplies). Ability to remain in a stationary position (e.g., standing or sitting) for extended periods. Visual acuity to read documents, computer screens, and currency. Manual dexterity for typing, handling paperwork and operating office equipment. Internal: BAI Courses: All Staff
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