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Relationship Banker II in Elsa, Texas at Rio Bank

NewSalary: $19 - $22
Rio Bank
Elsa, Texas, 78543, United States
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Job Description

ORGANIZATION & PURPOSE

Rio Bank is a community bank that offers a full range of banking services, including personal and business banking, lending, mortgage and trust services. With a commitment to Honesty, Integrity and Quality Service, Rio Bank first opened its doors in McAllen, Texas in 1985. Since the beginning Rio Bank has remained true to its personalized approach to banking. We combine the financial strength of a large bank with the flexibility and personal touch of a local bank. That’s what makes Rio Bank “Your Kind of Bank. Your Kind of Banker.”

We are proud of our team and are looking for a Relationship Banker II to join us in Elsa, Texas. The ideal candidate is highly motivated, friendly, and well-organized. They have loan processing experience, possess strong customer service skills and are able to communicate well both verbally and in writing.

We'd love to get to know you. We offer competitive salary and benefits as well as professional development opportunities and a supportive work environment. Apply for our Relationship Banker II position and let's build something great together.

We invite you to explore this opportunity further or share it with someone you know.

WORK SCHEDULE

Monday - Friday, 8:00 a.m. to 5:00 p.m.

JOB SUMMARY

The Relationship Banker II is the right hand to the Relationship Manager, supporting them in managing high net worth client relationships. This role is crucial in providing exceptional customer experiences, including opening new accounts, gathering loan documents, preparing presentations, and handling client inquiries.

ESSENTIAL DUTIES & RESPONSIBILITIES

The duties listed below may not include all responsibilities that the person in this role may be asked to perform. Incumbent may be required to perform other related duties as assigned.

Personal Banking Duties

  1. Open new accounts, explain available financial institution products and services, and gather customer information to process new and existing accounts.
  2. Prepare and maintain account paperwork, including signature cards, check orders, debit cards, wire transfers, stop payments, sweeps, and service charges. Process ATM, Debit and ACH dispute forms.
  3. Process client transactions, ensuring accuracy and adherence to regulations. This may involve transfers, payments and other account activity.
  4. Serve as a point of contact for customers, addressing their questions about accounts, transactions, and banking services.
  5. Cross-sell products and services to generate new business as appropriate.

Lending Duties

  1. Provide courteous, knowledgeable and professional customer service both in person and via the telephone.
  2. Interview loan applicants, order and review credit report, complete and process necessary documentation in a timely manner.
  3. Work with customers to obtain all required supporting loan/new account documentation.
  4. Accurately enter information into the lending data system and assemble loan documentation.
  5. Ensure loan packages are complete and compliant. Review loan documents for proper vesting, legal descriptions, closing dates and signatures.
  6. Prepare written correspondence to customers and attorneys.
  7. Contact customers with past due accounts. Prepare past due and demand letters.
  8. Answer telephone and written inquiries regarding loan applications.

General Customer Care Duties

  1. Handle customer complaints and questions in a tactful and effective manner. Explain financial institution policies and escalate complaints to manager as needed.
  2. Maintain a professional, business-like atmosphere within the banking center.
  3. Make retention and business development calls on existing and potential customers.
  4. Assist with scheduling appointments and managing supervisor’s calendar.
  5. Participate in bank projects or committees.
  6. Maintain strict standards of confidentiality.
  7. Maintain a strong record of good attendance and punctuality.
  8. Perform any other duties as required or assigned.

Compliance

  1. Abide by all rules, regulations and Bank policies and procedures.
  2. Properly maintain documents and records. Prepare required reports within deadlines.
  3. Properly secure customer and bank information.
  4. Complete required BSA/AML training and other compliance training as required.
  5. Complete continuing education to maintain the skills and knowledge required for this role.

QUALIFICATIONS

These specifications are general guidelines based on the minimum experience normally considered essential to the satisfactory performance of this position. The requirements listed below are representative of the knowledge, skill and/or ability required to perform the position in a satisfactory manner. Individual abilities may result in some deviation from these guidelines.

Education And Experience Required

  • High school diploma or GED. Associates or Bachelor’s degree preferred.
  • Three years’ banking experience or the equivalent combination of education and experience. Loan processing, account opening or related experience preferred.

Knowledge

  • Knowledge of related state and federal banking compliance regulations, and other Bank operational policies.

Communication Skills

  • Effective verbal, written and interpersonal communication skills with the ability to apply new information and carry out instructions, interpret documents, understand procedures, write reports and correspondence, and speak clearly to customers and employees.

Mathematical Skills

  • Basic math skills; calculate interest and balance accounts; add, subtract, multiply and divide in all units of measure using whole numbers, common fractions and decimals; locate routine mathematical errors; count currency, coin and negotiable instruments in a timely manner.

Critical Thinking Skills

  • Ability to deal with difficult problems involving multiple facets and variables in non-standardized situations.
  • Excellent organizational and time management skills.
  • Ability to handle multiple tasks simultaneously in a fast paced, diverse and growth-oriented environment.
  • Ability to work without supervision while performing duties.

Required Certificates, Licenses, Registrations

  • Valid Driver’s License

Software Skills Required

  • Proficient use of computers and a variety of software programs including Microsoft Excel.

Work Environment

  • This job operates in a professional office setting. This role routinely uses standard office equipment such as computers, keyboards, phones, photocopiers, and scanners.

Travel

  • Minimal travel, typically to attend staff meetings and trainings on occasion.
EQUAL EMPLOYMENT OPPORTUNITY (EEO) STATEMENT

Rio Bank is an equal opportunity employer and is committed to providing equal employment opportunity for all persons regardless of race, religion, color, sex, national origin, age, disability, veteran status, sexual orientation, gender identity, or any other legally protected status. Reasonable accommodations for an individual’s disabilities will be made for qualified applicants who are able to successfully perform the essential functions of the job with or without reasonable accommodation.

Job Location

Elsa, Texas, 78543, United States

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