Universal Banker - Palm Coast

Summary / Objectives

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 – facts, features, benefits, rules, regulations, price structure, and simple definitions.
• Identifies customer needs and expectations by listening for clues.
• Seeks opportunities to expand customer relationships by making referrals as outlined in the goals for this position.
• 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.
• Teller Duties
  • Processes transactions for savings, checking, and loan accounts.
  • Maintains a neat and orderly work area.
  • May assist in guiding and training new tellers.
  • May allow customers access to safe deposit boxes.
  • Cashes checks and processes savings withdrawals within assigned limits and prescribed procedures.
  • Sells certified checks.
  • Balances transactions daily.
  • Might service/balance ATM and use the branch capture system.
  • Follows policies and procedures to minimize operational errors and maintain proper workflow.
  • Follows the branch’s security and audit procedures and understands security devices.
• FSR Duties
  • Opens new deposit accounts and explains product offerings.
  • Handles stop payments, wire transfers, and other maintenance functions within assigned limits.
  • Explains policies and procedures to customers, considering most customers’ unfamiliarity.
  • Resolves customer problems and complaints with courtesy and discretion, directing difficult cases to other sources.
  • Views problems as opportunities to satisfy the customer and promote additional services.
  • Shows sincere appreciation for each customer’s time and business.
  • Gives a business card if not already given.
  • Follows branch security and audit procedures and understands security devices.
  • Assures branch records, reports, and correspondence resulting 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 back‑up vault responsibilities.

Education:

High school diploma or equivalent.

Experience:

Cash handling, sales, and customer service; previous banking experience preferred.

Specific Knowledge:
Good interpersonal and computer skills; 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, acknowledgment 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.

Position in an open lobby area with an individual workstation; location inside a cooled and heated facility.

Travel may be required for meetings or training as needed.

175 Cypress Point Pkwy, Palm Coast, Florida 32164.

Equal Opportunity Employer, including disabled/veterans.