RELATIONSHIP BANKER (Teller)

About the role

Intracoastal Bank is seeking a Relationship Banker to join our dynamic banking team. As a Relationship Banker, you will provide 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 (RB I through RB III).

Responsibilities

• 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.
• 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.
• 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.
• 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).
• 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 escalate suspicious activity or complex issues appropriately.
  • Resolve customer concerns efficiently and professionally.
• 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

• 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.

Benefits

• 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, and disability.
  • Pet insurance, legal aid, auto/home insurance, and identity theft protection.
  • Employee Assistance Program (EAP).
• Free checking and savings account, and a free safety deposit box.

Pay

Minimum $23 per hour.