International -Domestic Banker I

Lone Star National Bank•McAllen, TX

19d•Onsite

About The Position

The International Banker I provides full-service banking to international and domestic customers. The role manages assigned customer relationships and packaged-product accounts, supports onboarding and ongoing servicing, and performs the full range of Personal Banker I functions. It requires accurate execution, regulatory compliance, service excellence, relationship development, and achievement of individual and department goals. The position supports new-account onboarding by collecting and analyzing customer and prospect documentation and preparing the applicable memorandum and supporting NRA or FODE package for BSA review and onboarding approval. It consults with customers about financial needs; opens and services deposit, credit card, and credit or loan accounts within authorized limits; provides general loan information; processes consumer loan applications; and prepares related loan documents. The banker maintains accurate customer records and files and ensures documentation, disclosures, transactions, and regulatory requirements are completed in accordance with policy. The role develops business by servicing customers, deepening relationships, identifying financial needs, cross-selling products, and referring customers to bank business partners for complex needs. It also supports domestic customers, the teller line, banking center operations, and rotating schedules, including Saturdays. The position follows internal controls, security, audit, operations, risk, loss-prevention, and regulatory requirements, including BSA, OFAC, the USA PATRIOT Act, CIP, and AML. Travel to various banking markets may be needed, mainly to develop new relationships and provide customer service.

Requirements

Bachelor’s degree in business administration, or six months to one year of financial servicing experience servicing Mexican National and/or P&E clients with depository relationships.
One year of personal banking and/or consumer loan experience working with Mexican National and/or international clients.
Thoroughly bilingual in English and Spanish, both written and verbal.
Ability to prepare clear, professional memorandums and correspondence that accurately present requests, support onboarding approvals, and facilitate timely decision-making.
Typing speed of 40–50 words per minute and ability to use office equipment.
Familiarity with word-processing and spreadsheet software.
Attention to detail and a high degree of mental concentration while performing multiple tasks with numerous interruptions.
Excellent organizational, verbal and written communication, and customer-relations skills.
Ability to multitask and meet deadlines.
Ability to travel to various banking markets as needed, mainly to bring in new relationships and provide customer service.

Responsibilities

Create a welcoming environment and communicate professionally and effectively with customers and team members.
Deliver high-quality service to international and domestic customers and manage assigned customer relationships and packaged-product accounts.
Collect and analyze documents and information for new accounts and prepare the applicable memorandum and supporting NRA or FODE package for BSA review and onboarding approval.
Consult with customers about financial needs, resolve inquiries, and open and service checking, savings, credit card, and credit or loan accounts within authorized limits.
Provide the full range of Personal Banker services, including opening new accounts and cross-selling bank products and self-service solutions such as ATM and Mobile Banking.
Use critical thinking and problem-solving to identify financial solutions for new and existing customers.
Complete documentation, disclosures, transactions, and regulatory requirements accurately and on time, including BSA and CIP requirements.
Review and approve overdrafts and deposits within assigned authority and established policies and procedures.
Provide general loan information, process consumer loan applications, and prepare related loan documents for processing.
Maintain customer records and files according to established policies and guidelines.
Develop new business by servicing customers, deepening existing relationships, and identifying additional financial needs.
Contribute to banking center, department, individual sales, and referral goals by cross-selling and referring customers to bank business partners, including Commercial Lending, Mortgage, Insurance, Investments, Merchant Services, Wealth Management, and Treasury Management.
Assist domestic customers and the teller line as needed to maintain service flow.
Participate in rotating banking center schedules, including Saturdays, and perform assigned opening, closing, and customer-service responsibilities.
Maintain accountability for assigned work and follow internal controls, security standards, audit requirements, and operations policies and procedures.
Participate in job-specific and other Bank training programs as needed.
Maintain knowledge of risk controls and loss prevention, and report suspicious or unusual customer activity in accordance with Bank policy.
Comply with applicable federal and state laws and regulations and Bank policies and procedures, including requirements related to BSA, OFAC, the USA PATRIOT Act, CIP, and AML.
Perform other related duties as required and assigned.