Universal Banker - Beaufort, SC

Universal Banker

The Universal Banker serves as a full‑service, single point of contact in the branch for South State customers’ financial needs. The position operates in the dual capacity of a Teller and FSR, providing exceptional customer service in both transactional and account management. The Universal Banker seeks to attract, expand, and retain customer relationships and is responsible for contributing to the financial growth of the bank.

• Serves customers quickly, accurately, efficiently, and confidentially according to the South State Bank Service Standards.
• Knows and understands the products and services offered by the Bank, including facts and features, benefits and advantages, rules and regulations, price structure, and a simple definition of each service offered.
• Identifies customer needs and expectations by listening for clues.
• Seeks opportunities to expand customer relationships by making referrals in accordance with the position’s goals.
• Maintains a neat and professional personal appearance in accordance with bank policy.
• Ensures compliance with all banking regulations, including Regulation CC and the Bank Secrecy Act.
• Develops a strong understanding of customer‑facing technology with the ability to discuss and enroll customers in self‑service options.

• Processes transactions for savings, checking, and loan accounts.
• Maintains a neat and orderly work area.
• Assists in guiding and training new tellers.
• Provides customers access to safe‑deposit boxes.
• Cashes checks and processes savings withdrawals within assigned limits and in accordance with prescribed procedures.
• Sells certified checks.
• Balances transactions daily.
• Services/balances ATM.
• Utilizes the branch capture system.
• Follows policies and procedures in completing transactions, minimizing operational errors, and maintaining proper workflow.
• Follows the branch’s security and audit procedures and understands the function and operation of security devices.

• Opens new deposit accounts and understands the products and financial services offered by the bank.
• Handles other services such as stop payments, wire transfers, and other maintenance functions within assigned limits.
• Explains policies and procedures as necessary, keeping in mind customers’ unfamiliarity with them.
• Resolves customer problems and complaints with courtesy and discretion and directs difficult cases to appropriate resources.
• Sees problems and complaints as opportunities to satisfy customers and promote additional services.
• Is knowledgeable of financial services offered by the bank.
• Shows sincere appreciation for each customer’s time and business and provides a business card when appropriate.
• Follows the branch’s security and audit procedures and understands the function and operation of security devices.
• Ensures branch records, reports, and other correspondence from customer development attempts are correct, timely, and properly distributed.

• One year of teller or cash handling experience and six months of customer relationship building or sales experience.
• Demonstrated expertise in the Teller II and basic FSR job functions.
• Additional responsibilities may include vault responsibilities or backup vault responsibilities.
• Other duties as assigned.

• High School diploma or equivalent.
• Experience in cash handling, sales, customer service. Previous banking experience preferred.
• Good interpersonal skills, good computer skills, and the ability to read, write, speak, and understand English.

• The South State Way
• New Team Member Orientation
• Teller Foundations
• Banker Foundations
• All assigned Regulatory Compliance Training
• Acknowledgement of all policies through Docu Sign as assigned
• Additional training may be required depending on experience.

Must be able to lift up to 50 pounds, stand and/or sit for long periods, and effectively access and interpret information on computer screens, documents, reports, and cash denominations.

This position is most likely in an open lobby area with an individual workstation, located inside a cooled and heated facility.

Travel may be required for meetings or training as needed.

1121 Boundary Street, Beaufort, South Carolina 29902

Equal Opportunity Employer, including disabled/veterans.