Relationship Banker

Relationship BankerAt 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 ProcessingProcess routine to complex transactions including deposits, withdrawals, loan payments, cashier's checks, money orders, and cash advancesProvide accurate information and troubleshoot customer issues across accounts, debit cards, and digital banking platformsAssist 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 interactions2. Sales & Relationship DevelopmentIdentify customer needs and recommend appropriate banking products and servicesActively cross-sell and refer customers to internal specialistsContribute to branch growth goals through relationship building and proactive outreachEducate customers on bank capabilities, products, and digital channels3. Account Management & AcquisitionOpen and maintain personal and (at higher levels) business accountsProcess account changes and perform ongoing account maintenanceConduct follow-ups to deepen customer relationshipsSupport loan and commercial referral processes4. Branch OperationsAssist with daily branch operations including opening/closing proceduresPerform cash handling, vault balancing, and ATM maintenanceSupport coworkers with cash needs and operational tasksParticipate in team meetings, huddles, and branch initiativesProvide leadership support and act as a resource when management is unavailable (advanced levels)5. Risk, Compliance & Problem ResolutionMaintain adherence to all bank policies, procedures, and regulatory requirementsSupport a strong risk management culture through sound judgment and decision-makingIdentify and escalate suspicious activity or complex issues appropriatelyResolve customer concerns efficiently and professionally6. Teamwork & CulturePromote a positive team environment through collaboration and supportParticipate in community and business development initiativesDemonstrate adaptability and engagement in a fast-paced environmentRequirementsQualificationsEducationHigh school diploma or equivalent (required)ExperienceEntry Level (RB I): 0–2 years in banking, retail, or customer serviceIntermediate (RB II): Some banking or sales experience preferredAdvanced (RB III): 1–2+ years financial services experience with demonstrated proficiencySkills & AbilitiesStrong interpersonal and communication skillsAbility to identify sales opportunities and cross-sell effectivelyKnowledge of banking products, services, and regulationsProblem-solving and decision-making skillsAbility to manage multiple tasks in a fast-paced environmentAwareness of customer needs and situational factorsPhysical Demands & Work EnvironmentAbility to stand, sit, and move throughout the branch as neededMay lift up to 50 pounds (coin, cash boxes)Frequent use of hands, vision, and communication skillsFast-paced, customer-facing environment with moderate noise levelsAdditional NotesThis 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.