Financial Service Representative

Essential Functions

The Financial Service Representative (FSR) is responsible for providing exemplary customer service to all bank customers, answering questions, providing information, and assisting them in understanding and utilizing the bank's products and services. The FSR opens and services new and existing bank customer accounts, manages the teller cash drawer, establishes and maintains customer records, and helps ensure compliance with all applicable state and federal banking regulations.

• Interview consumers desiring to establish a banking relationship with Third Coast Bank SSB.
• Maintain current knowledge of bank products and services.
• Open new accounts and service existing accounts for personal and commercial customers.
• Obtain consumer identification information prior to opening an account per CIP and the USA Patriot Act.
• Obtain all required identification and commercial documentation for business customers prior to opening a business account per CIP.
• Update customer files, signature cards, and resolutions for bank records.
• Screen personal account holders via Chex Systems.
• Screen commercial accounts via FIS eAccess/Chex Systems online.
• Process ATM/Debit Card and check order requests.
• Establish and reset online banking access through Net Teller.
• Cross‑sell bank products and services to new and existing customers.
• Open, close and service certificates of deposit for personal and commercial customers.
• Process Individual Retirement Accounts (IRA) opening, closing, and transfer requests.
• Establish and update new account files.
• Maintain daily rate sheet.
• Serve as a Notary for bank customers and bank personnel (if approved by bank Cashier).

• Maintain and operate a teller cash drawer.
• Assist bank customers with deposits, check cashing, and savings and checking withdrawals.
• Process loan payments.
• Issue cashier's checks and money orders.
• Keep records of money and negotiable instruments as required by banking regulations.
• Adhere to BSA regulations for reporting CTR, MIL, and SAR documentation.
• Answer general account questions for bank customers.
• Cross‑sell bank products and services.
• Scan all proof work through Branch Capture and confirm all work is balanced at the close of the business day with FIS.
• Balance cash drawer at the close of the business day.
• File all proof work at the close of the business day.

• Open and close safe deposit boxes via FIS.
• Establish and update safe deposit box account files.
• Prepare new and updated safe deposit box contracts.
• Allow access to the Safe Deposit Box Vault to customers.
• Complete entry tickets for customers accessing a box and enter the data into FIS.
• Maintain current job knowledge and adhere to all bank policies and procedures.

Maintain current job knowledge of bank products and services, practice quality teamwork to support the bank and its banking center, answer telephones, direct callers to appropriate bank personnel, and assume responsibility for various department functions when necessary.

This position has no supervisory responsibilities.

This is a full‑time, non‑exempt position. Typical work hours are Monday through Friday, 8:00 am to 5:00 pm.

No travel is expected for this position.

This job operates in a professional office environment and uses office equipment such as computers, phones, copy and fax machines, calculators, filing cabinets, and printers.

Responsibilities include writing, typing, speaking, listening, lifting up to 50 pounds, driving, carrying, seeing (close, color and peripheral vision, depth perception, and adjusted focus), sitting, pulling, walking, standing, squatting, kneeling, and reaching.

The incumbent must be able to read documents or instruments, perform detailed work, problem‑solve, contact customers, reason, do math, use language, present information, communicate verbally and in writing, analyze, manage stress, handle multiple concurrent tasks, and accept constant interruptions.

• High school diploma or GED required; bachelor's degree preferred. Minimum of one year teller experience, two years new accounts experience, or equivalent combination of education and experience. Prior cash handling and customer service background required.
• Intermediate experience and training in branch operations, terminology, and products/services.
• Knowledge of state and federal banking compliance regulations and other bank operational policies.
• Intermediate skills in computer, terminal, mainframe, word processing, spreadsheet, and account opening software.
• Bilingual in Spanish preferred.