Relationship Banker

Description At Intracoastal Bank , we know that great service starts with people who care. If you’ve built a steady career in retail—helping customers, solving problems, and creating positive experiences,we’d love to help you grow in a rewarding banking role. Join a team that takes pride in supporting our community, building trust with every interaction, and helping neighbors reach their financial goals. Intracoastal Bank is seeking a Relationship Banker to join our dynamic banking team. Over the years, we at Intracoastal Bank have established ourselves as a market leader in community banking. You will be inspired by the stability and integrity of our community bank and proud of the relationships you build that help our clients succeed. Why Intracoastal Bank? Local business and established market leader in community banking. Innovative and entrepreneurial approach to business. Diverse team of top performers. Passionate about providing exceptional service and banking solutions to our communities to help them thrive. Involved in our community. Employees are empowered to impact change. A company that invests in you! Exceptional Benefits Package! Employee Stock Ownership Program (ESOP): Reap the rewards of company growth through this prestigious profit‑sharing program. 401k Retirement Plan: Grow your future with our 401(k) and matching contributions. Professional Development: Receive tuition assistance for your professional development. Paid Time Off: 11 paid holidays, paid birthday/flex day, and minimum of 15 PTO days per year. Health Insurance: Fully paid employee‑only health insurance with options to choose from. Other Insurance and Benefits: Group insurance benefits such as dental, vision, life, disability, pet insurance, legal aid, auto/home insurance, identity theft protection, other supplemental benefits, and an Employee Assistance Program (EAP). And there’s more! You get a free checking and savings account and a free safety deposit box. POSITIONS PURPOSE: The Relationship Banker is responsible for providing exceptional customer service while assisting clients with a full range of banking transactions, account services, and financial solutions. This role supports customer relationship development through proactive engagement, cross‑selling, and referral activities. The position also contributes to branch operations, risk management, and overall banking center performance, with increasing responsibility and complexity at higher levels. ESSENTIAL FUNCTIONS AND DUTIES: 1. Customer Service & Transaction Processing Process routine to complex transactions including deposits, withdrawals, loan payments, cashier’s checks, money orders, and cash advances Provide accurate information and troubleshoot customer issues across accounts, debit cards, and digital banking platforms Assist with account servicing activities such as address changes, travel notifications, safe deposit access, and account closures (including advanced products at higher levels) Support loan‑related activities including application intake, rate/term discussions, and closing processes (advanced levels) Ensure a high level of courtesy, efficiency, and professionalism in all interactions 2. Sales & Relationship Development Identify customer needs and recommend appropriate banking products and services Actively cross‑sell and refer customers to internal specialists Contribute to branch growth goals through relationship building and proactive outreach Educate customers on bank capabilities, products, and digital channels 3. Account Management & Acquisition Open and maintain personal and (at higher levels) business accounts Process account changes and perform ongoing account maintenance Conduct follow‑ups to deepen customer relationships Support loan and commercial referral processes 4. Branch Operations Assist with daily branch operations including opening/closing procedures Perform cash handling, vault balancing, and ATM maintenance Support coworkers with cash needs and operational tasks Participate in team meetings, huddles, and branch initiatives Provide leadership support and act as a resource when management is unavailable (advanced levels) 5. Risk, Compliance & Problem Resolution Maintain adherence to all bank policies, procedures, and regulatory requirements Support a strong risk management culture through sound judgment and decision‑making Identify and escalation suspicious activity or complex issues appropriately Resolve customer concerns efficiently and professionally 6. Teamwork & Culture Promote a positive team environment through collaboration and support Participate in community and business development initiatives Demonstrate adaptability and engagement in a fast‑paced environment Requirements QUALIFICATIONS Education High school diploma or equivalent (required) Experience Entry Level (RB I): 0–2 years in banking, retail, or customer service Intermediate (RB II): Some banking or sales experience preferred Advanced (RB III): 1–2+ years financial services experience with demonstrated proficiency Skills & Abilities Strong interpersonal and communication skills Ability to identify sales opportunities and cross‑sell effectively Knowledge of banking products, services, and regulations Problem‑solving and decision‑making skills Ability to manage multiple tasks in a fast‑paced environment Awareness of customer needs and situational factors Physical Demands & Work Environment Ability to stand, sit, and move throughout the branch as needed May lift up to 50 pounds (coin, cash boxes) Frequent use of hands, vision, and communication skills Fast‑paced, customer‑facing environment with moderate noise levels Additional Notes This role evolves in complexity, autonomy, and leadership expectations from Level I through Level III, including increased involvement in loan processing, business accounts, branch operations, and decision‑making authority. Intracoastal Bank provides equal employment opportunities to all employees and applicants for employment and prohibits discrimination and harassment of any type without regard to race, color, religion, age, sex, national origin, disability status, genetics, protected veteran status, sexual orientation, gender identity or expression, or any other characteristic protected by federal, state or local laws. #J-18808-Ljbffr