Relationship Banker Floater

 Relationship Banker Floater
Classification: Non-Exempt
Reports To: Assistant Banking Center Manager / Banking Center Manager
Positions Supervised: None 

At Intracoastal Bank, you will be part of a diverse team of top performers in banking that is passionate about providing exceptional service and banking solutions to our communities to help them thrive. You will be inspired by the stability and integrity of our community bank and proud of the relationships you build that help your clients succeed. 

Why Intracoastal Bank?

· It’s like working for a small business that happens to be a bank unique in its industry.

· We have an entrepreneurial spirit!

· You get to work with the “A” team of bankers.

· You’ll have a positive work environment with supportive managers and teammates.

· You’re encouraged to become passionate about and involved in your community.

· You will be empowered to impact change.

· You will experience the reward of assisting in the growth and success of local businesses.

· You will be part of a company that invests in you!

Exceptional Benefits Package!

· Employee Stock Ownership Program (ESOP): You will have the opportunity to participate in and reap the rewards of the growth of the company through this prestigious profit-sharing program. 

· 401k Retirement Plan: You will also be able to participate in a 401k retirement program.

· Professional Development: You will receive tuition assistance for your professional development.

· Paid Time Off: You will have 11 paid holidays, a paid birthday/flex day, and 15 PTO days per year.

· Health Insurance: You will have fully-paid employee health insurance with several options to choose from.

· Other Insurance: You will be able to enroll in other group insurance benefits such as dental, vision, life, disability, as well as 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 SUMMARY:

The Relationship Banker Floater works closely with customers to provide exceptional and courteous banking services. This role handles a wide range of personal and transactional activities, supports branch operations, and identifies opportunities to cross-sell financial products and services. The position also assists in solving customer problems appropriately and efficiently while ensuring the operational safety, soundness, and compliance of the branch. 

This position floats between the Volusia banking center (Daytona Beach) and the Flagler banking center (Palm Coast) depending on daily staffing needs. 

ESSENTIAL DUTIES AND RESPONSIBILITIES:

1. Customer Transactions & Assistance

• Process customer transactions including deposits, withdrawals, loan payments, loan & cash advances, cashier’s checks,      money orders, and outgoing wire transfers.
• Assist customers with debit card issues, online banking support, account inquiries, address changes, travel notifications,      and access to safe deposit boxes.
• Provide accurate information, troubleshoot customer issues, and escalate concerns when necessary.
• Perform account closures (excluding IRAs & HSAs).
• Assist with balancing and maintenance of ATMs and the cash vault.
• Support branch opening and closing procedures.

2. Relationship Management & Cross-Selling

• Proactively identify customer needs and recommend appropriate bank products and services.
• Educate customers on alternate delivery methods and digital banking channels.
• Comply with and contribute toward branch goals, supporting growth and customer retention.
• Actively participate in lobby management, ensuring excellent customer experience.

3. Account Acquisition & Maintenance

• Open personal accounts for new and existing customers.
• Follow up with customers to ensure satisfaction and address ongoing needs.
• Maintain accurate records, process account changes, and ensure proper documentation.

4. Branch Operations & Risk Management

• Assist co-workers with cash needs and other branch responsibilities.
• Ensure strong risk management practices through knowledge, awareness, and sound decision-making.
• Participate in daily quick starts and debrief sessions.
• Demonstrate compliance with all bank regulations, policies, and procedures, and complete required training.
• Promote the bank’s culture of teamwork, volunteerism, and community engagement.

Qualifications:

• Education:      High school diploma or GED required.
• Experience:    12–24 months in financial services, sales, or retail preferred; some banking or sales experience strongly preferred.
• Customer      Service Experience: Prior experience being evaluated or surveyed by customers preferred.

Skills, Competencies, and Abilities:

•  Strong interpersonal and communication skills (both written and verbal).
• Ability to cross-sell bank products and services.
• Sound reasoning ability to define problems, collect data, establish facts, and draw conclusions.
• Proficiency in applying logical or technical instructions while handling multiple variables.
• Keen awareness of the environment, customer needs, and industry trends.
• Demonstrated courtesy, efficiency, and professionalism in customer interactions.
• Flexibility to work varying hours depending on branch location and needs.

Physical Requirements:

• Repetitive Motion: Frequent wrist, hand, and finger use.
• Talking & Hearing: Clear verbal communication and ability to hear average conversations.
• Vision: Adequate visual acuity to prepare/inspect documents and operate office equipment.
• Strength: Sedentary work; exerting up to 10 lbs. occasionally.
• Travel: Must be able to regularly drive between banking centers approximately 25 miles apart.

Working Conditions:

•  Typical office environment with no hazardous or significantly unpleasant conditions. 

 Additional Information:

Job descriptions are not intended as, and do not create, employment contracts. Duties, responsibilities, and requirements may evolve to meet the needs of the organization. The bank maintains its status as an at-will employer.

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.

This policy applies to all terms and conditions of employment, including recruiting, hiring, placement, promotion, termination, layoff, recall, transfer, leaves of absence, compensation and training.