Relationship Manager

Intracoastal Bank is seeking a dynamic and client-focused Banking Relationship Manager to join our team. The successful candidate will be responsible for managing and growing a portfolio of commercial real estate and/or commercial and industrial (C&I) client relationships, providing tailored financial solutions, and ensuring exceptional customer service. This role requires a strong understanding of banking products, excellent communication skills, and a proactive approach to identifying client needs and business opportunities.

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.

Over the years, we have established ourselves as a market leader in community banking and we’re looking for the right person to help take us to the next level. If you have an entrepreneurial and innovative approach to business, coupled with drive and a commitment to growth, we want to meet with you.

Why Intracoastal Bank?

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

KEY RESPONSIBILITIES

• Client Relationship Management: Build and maintain strong, long-term relationships with clients, including individuals, commercial real estate developers, C & I businesses, and high-net-worth clients, to ensure client satisfaction and retention. Ensure quality customer service by adhering to the Bank’s customer service standards. Achieve customer service and sales objectives by counseling customers, explaining bank products and services, and identifying needs. Ensure customers’ needs are always met while displaying a genuinely friendly attitude.
• Financial Solutions: Assess clients’ financial needs and recommend appropriate banking products and services, including loans, mortgages, investment products, and deposit accounts. Cross-sell Bank products and services.
• Portfolio Growth: Proactively identify commercial real estate and C & I opportunities to expand client relationships through cross-selling and upselling banking products and services. Interview applicants for commercial loans. Be proficient in all areas of lending.
• Risk Management: Ensure compliance with all regulatory requirements and internal policies while managing client accounts and transactions.
• Business Development: Develop and implement strategies to attract new commercial real estate and C & I clients and grow the bank’s customer base. Make appropriate referrals to further the bank mission and profitability. Represent the Bank and provide leadership in community activities.
• Financial Analysis: Conduct financial analysis to evaluate clients’ financial health and provide customized solutions to meet their goals.
• Collaboration: Work closely with internal teams, such as credit, wealth management, and commercial banking, to deliver comprehensive solutions to clients. Make recommendations to management on product improvements or changes.
• Customer Support: Address client inquiries, resolve issues, and provide ongoing support to ensure a positive banking experience. Provide feedback to staff regarding customer service issues. Service customer needs on all bank products, including the most complex services and transactions. Using in-depth knowledge of bank data systems, minimize referring customers to another department or individual for resolution.
• Market Awareness: Stay informed about market trends, economic conditions, and competitor offerings to provide clients with relevant and timely advice.
• Loan Management: Screen loan requests for all types of loans. Present requests to management and loan committee when the proposed loan is beyond the departmental lending authority. Recommend loan terms and conditions. Manage large or complex commercial loans, as needed, and counsel loan customers on loan management and beneficial financial strategies.

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.

Qualifications

• Education: Bachelor’s degree in Finance, Business Administration, Economics, or a related field.
• Experience: Minimum of 7-10 years of experience in retail and commercial banking.
• Knowledge, Skills and Abilities:
  • Strong interpersonal and excellent communication skills to build trust and rapport with clients.
  • Strong understanding of local market dynamics and customer demographics.
  • In-depth knowledge of banking products, services, and regulations.
  • Excellent analytical and problem-solving skills.
  • Ability to work independently and as part of a team.
  • Proficiency in CRM software and Microsoft Office Suite.
  • Working knowledge of general lending procedures, financial statement analysis, and the credit decision process.
  • Ability to adapt to a flexible work schedule to meet the demands of bank’s hours and promotions.
  • Ability to withstand varying degrees of stress.
  • Ability to travel locally to meet with clients as needed.
• Certifications: Significant training in current banking products and sales.
• Attributes: Client-centric mindset, results-driven, detail-oriented, and adaptable to a fast-paced environment.
• Physical Requirements:
  • Repetitive Motion: Movements frequently and regularly using wrists, hands, and fingers.
  • Talking and Hearing: Ability to speak, especially where detailed or important instructions or ideas must be accurately or quickly conveyed. Able to hear average or normal conversations and receive ordinary information.
  • Vision: Average, ordinary visual acuity is necessary to prepare and inspect documents or products or operate office equipment.