Financial Service Representative

Essential Functions

Financial Service Representative (FSR) is responsible for providing exemplary customer service to all bank customers. The FSR answers questions and provides information upon request from bank customers and assists them in understanding and utilizing the bank’s products and services. The FSR opens and services new and existing bank customer accounts, supports the Lobby Manager in leading other employees to meet and exceed an excellent customer experience, maintains and operates a teller cash drawer to process customer transaction requests, and establishes and maintains customer records to adhere to all banking regulations.

The FSR must help assure compliance with all bank policies and procedures, as well as all applicable state and federal banking regulations.

• Interview consumer(s) desiring to establish a banking relationship with Third Coast Bank SSB.
• Maintain current knowledge of bank products and services offered.
• Open new accounts and service existing accounts for personal and commercial customers.
• Obtain consumer identification information as required per CIP and the USA Patriot Act prior to opening an account.
• Obtain required identification information and commercial documentation for business customers as required per CIP prior to opening a business account.
• Update customer files, signature cards, resolutions, etc. 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 bank customers.
• Open, close and service certificates of deposit for personal and commercial customers.
• Process Individual Retirement Accounts (IRA) opening, closing, and transfer request.
• Establish and update new account files.
• Maintain daily rate sheet.
• Serve as a notary for bank customers as well as bank personnel (if approved by bank Cashier).

• Maintain and operate a teller cash drawer.
• Assist bank customers with account 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 per 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 has been 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 safe deposit box vault to customers.
• Complete entry tickets for customers accessing 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 ensure the success of the bank as a whole as well as your assigned banking center.

Answer telephones, answer questions and direct callers to proper bank personnel.

Assume responsibility for various department functions in the absence of staff members or in overwhelming situations.

This position has no supervisory responsibilities.

This is a full-time, non-exempt position. Typical work hours are Monday through Friday, 8:00 a.m. to 5:00 p.m.

No travel is expected for this position.

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

This position will be responsible for writing, typing, speaking, listening, lifting (up to 50 pounds), driving, carrying, seeing (such as close, color and peripheral vision, depth perception and adjusted focus), sitting, pulling, walking, standing, squatting, kneeling and reaching.

The incumbent in this position must be able to accommodate reading documents or instruments, detailed work, problem solving, customer contact, reasoning, math, language, presentations, verbal and written communication, analytical reasoning, stress, multiple concurrent tasks and constant interruptions.

These specifications are general guidelines based on the minimum experience normally considered essential to the satisfactory performance of this position. The requirements listed below are representative of the knowledge, skill and/or ability required to perform the position in a satisfactory manner. Individual abilities may result in some deviation from these guidelines.

• High school diploma or GED required; bachelor’s degree preferred. Minimum of one year teller…