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Relationship Banker II at Rio Bank – McAllen, Texas

Rio Bank
McAllen, Texas, 78501, United States
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About This Position

WORK SCHEDULE

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

JOB SUMMARY

The Relationship Banker II (RB II) provides advanced support to Relationship Managers by handling more complex client onboarding, documentation, and servicing tasks. In addition to standard RB responsibilities, the RB II is trained and authorized to open new accounts for lending customers and provides coverage support to retail banking centers when needed. The RB II demonstrates high accuracy, stronger independent judgment, and the ability to manage a larger volume of transactions, customer interactions, and file components with minimal supervision.

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.

  • Provide courteous, knowledgeable service in person and by phone; schedule appointments, manage email/call follow‑ups, and coordinate client requests end‑to‑end.
  • Collect financial statements and supporting documents; ensure packages are complete, accurate, and compliant prior to RM/credit review; maintain digital and physical files per policy.
  • Enter and update data in LOS/CRM; prepare application forms, disclosures, and closing checklists; track outstanding conditions and route files to the appropriate parties on time.
  • Monitor outstanding items (KYC, CIP, insurance, UCCs, tax returns, covenants) and follow up to meet deadlines; escalate risks to the RM as needed.
  • Respond to applicant and borrower inquiries; provide status updates; obtain signatures; coordinate with outside counsel, title, and internal operations as directed by the RM.
  • Assist with deposit account onboarding, service requests, product set‑ups, and referrals for treasury/merchant solutions in coordination with the RM.
  • Contact customers on past‑due items as directed; draft past‑due notices and follow standard workflows.
  • Prepare meeting materials and reports; maintain calendars, CRM activity logs, and call reports; support community/business events with the RM.
  • Maintain strict confidentiality; demonstrate reliable attendance and punctuality.
  • Open new consumer and business deposit accounts for lending customers; ensure proper CIP/KYC documentation.
  • Provide retail banking support during staffing gaps (teller line, account opening, maintenance requests).
  • Other duties as assigned.

Compliance

  • Complete BSA/AML, CIP and other required training.
  • Adhere to all bank policies, procedures, and regulatory requirements.
  • Maintain accurate documentation and complete required reporting on time.
  • Secure all customer information and bank records.

Qualifications

  • Education: High school diploma or GED.
  • Experience: Five (5) or more years of loan support, banking, client service, or loan processing experience.
  • Skills: Detail‑oriented, organized, and deadline‑driven; strong time management and follow‑through. Strong customer service and interpersonal skills; clear verbal and written communication. Strong understanding of retail and lending operations.
  • Attention to Detail: Ability to process transactions and documentation with high accuracy to minimize risk.
  • Technical: Proficient in Microsoft Office; advanced comfort with LOS/CRM, account‑opening systems.
  • Valid Driver’s License
  • Preferred: Bachelor's degree in finance, business or related field from an accredited college or university; Prior experience opening accounts; bilingual (English/Spanish).

Key Performance Indicators (KPIs)
  • Portfolio Quality: Error‑free application packets and closing files.
  • Turnaround Time: On‑time intake, condition clearing, and routing to RM/credit/operations accordingly.
  • Pipeline Support & SLA Adherence: Completion of assigned pipeline tasks on or before due dates; minimal aged items/ticklers.
  • CRM & Records Quality: Complete, current, and accurate CRM entries, call notes, and document indexing (audit‑ready).
  • Customer Relationship Management: Retention, satisfaction, and frequency of client contact.
  • Business Development: Qualified referrals to RMs for loans, deposits, and treasury services; assist with onboarding actions.
  • Compliance Accuracy: Zero violations; timely training completion; adherence to lending policies.
  • Collaboration: Accuracy and completeness of new account openings for lending customers. Effective coordination between Lending and Retail functions.
Behavioral Competencies
  • Customer Focus & Customer-Focused Experiences: Delivers responsive, service‑oriented support; manages expectations and keeps clients informed.
  • Integrity & Confidentiality: Maintains trust and discretion in all interactions.
  • Adaptability & Agility: Adjusts quickly to changing priorities and responds effectively to evolving customer and business needs. Open to coaching and feedback.
  • Analytical Thinking & Detail Orientation: Applies checklists and procedures to maintain accurate files; flags inconsistencies for RM review.
  • Communication: Clear, professional verbal and written communication with clients, RM’s and internal partners; documents actions in CRM.
  • Problem-Solving & “Can Do” Attitude: Resolves routine issues independently; promptly escalates complex or risk‑sensitive items to the RM.
  • Collaboration: Works cooperatively with peers and management to achieve goals.
  • Sales Support Orientation: Identifies client needs and routes qualified opportunities to the RM; supports product onboarding steps.
  • Attention to Detail: Maintains accuracy in documentation, underwriting, and compliance.
  • Time Management: Prioritizes tasks across multiple files and deadlines; meets SLA commitments.
  • Ownership Mindset: Follows through to completion; proactively closes loops on outstanding items.
ADA Essential Functions
  • Physical Requirements: Ability to sit/stand for extended periods; occasional lifting up to 20 lbs (documents, office supplies).
  • Manual Dexterity: Frequent use of hands for typing, handling paperwork, and reviewing files.
  • Visual Requirements: Ability to review documents, financial statements, and computer screens.
  • Communication: Clear verbal and written communication with customers, staff, and management.
  • Cognitive: Ability to multitask, prioritize deadlines, and make decisions under pressure in a fast-paced environment.

Equal Employment Opportunity (EEO) StatementRio Bank is an equal opportunity employer. We welcome and encourage applicants of any race, color, religion, sex (including pregnancy, gender identity, and sexual orientation), national origin, age, disability, genetic information, veteran status, or any other characteristic protected by applicable law. Reasonable accommodation for an individual’s disabilities will be provided for qualified applicants who are able to successfully perform the essential functions of the job with or without reasonable accommodation.

Intent of Job Description

This job description is not designed to cover or contain a comprehensive listing of activities, duties or responsibilities required of the employee to perform this job. Additional functions and requirements may be assigned by supervisors as deemed appropriate and at any time with or without notice. Job descriptions are not intended and do not create employment contracts. Rio Bank maintains its status as an at-will employer.

Job Location

McAllen, Texas, 78501, United States
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Job Location

This job is located in the McAllen, Texas, 78501, United States region.

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