Relationship Banker II (Okatie, SC)

Coastal States Bank•Bluffton, SC

3d•Onsite

About The Position

The Relationship Banker II (RB II) is responsible for delivering exceptional client service while performing teller duties, advanced account servicing, digital banking support, and basic business account management. The RB II expands into more complex account maintenance, fraud prevention, and digital problem-solving, while continuing to demonstrate operational excellence, compliance, and the Core Values of Coastal States Bank: Character, Commitment, Service, Trust, and Community.

Requirements

Minimum of 2 years of Retail banking or cash handling experience is preferred.
Strong interpersonal and communication skills are preferred, along with the ability to build trust and serve clients with professionalism.
Detail oriented with strong organizational and critical thinking skills.
Comfort with digital banking tools and ability to educate clients on their use.
Knowledge of a wide range of Microsoft Office software applications is preferred.
Responsible for the timely completion of all required compliance training such as BSA, Information Security, and other job specific training as assigned.
Complies as required with relevant Bank policies and procedures related to BSA, including capture of required CTR data, capture of data for Monetary Instrument Log, and review of parties against the OFAC list.
Promptly informs manager and/or compliance staff of potential suspicious activities.
The responsibility to acquire and maintain the required knowledge of State and Federal Banking regulations and policies.
Proficient in operating computers and calculators with accuracy and efficiency.
Must have excellent customer relation skills.

Nice To Haves

Some college preferred.
Knowledge of basic math.

Responsibilities

Uphold CSB Consistent Client Service Standards e.g., greet and acknowledge every client timely both walk-in and telephone; communicate clear expectations; offer refreshments and ensure the coffee bar is clean and stocked.
Provide knowledgeable support across all CSB products and services, including Online Banking, Mobile Deposit, Zelle, Digital Wallet, and Card Hub.
Answer all incoming calls by the third ring and provide timely follow-up on unresolved issues.
Assist clients with opening, maintaining, and closing accounts (DDA, Savings, Money Market, Safe Deposit Boxes).
Issue, activate, and support debit cards (in-branch printing or ordered by mail); educate clients on digital card management.
Process address changes across applicable systems and coordinate with support teams for special account types (IRA, loan).
Process Stop payments.
Place check orders for both Consumer and Business Accounts
Perform daily teller functions: deposits, withdrawals, loan payments, Cashier’s checks, internal transfers, foreign currency exchange, and savings bond redemptions.
Maintain and balance cash drawer within established limits; promptly resolve outages.
Process night drop and mail deposits in compliance with procedures.
Ensure compliance with all KYC and BSA guidelines, including proper ID verification.
Work within approved limits for check cashing, counter checks, and client/non-client transactions.
Process Reg CC holds on deposits as needed.
Balance and replenish ATM; order cash and prepare shipments.
Input wire transfers when requested by clients, following both in person and exception wire procedures.
Follow opening/closing branch procedures as outlined in the Branch Security Manual and Playbook.
Adhere to all security guidelines: secure keys, lock workstations, protect client information, and uphold privacy policies.
Maintain dual control for vault access, night drop/mail deposits, and other restricted functions.
Complete CTRs on the same day of qualifying transactions; assist with Verafin callbacks by designated deadlines.
Pull and review daily branch reports, including teller reconciliation, CTR logs, Lockbox and TCR Logs (if applicable).
Participate in monthly, semi-annual, and annual audits (teller drawer, vault, debit card, safe deposit, bait money, security).
Maintain 98%+ operational accuracy rating.
Complete all assigned compliance and security training on time.
Actively participate in monthly BSA/Retail calls, branch meetings, and team huddles.
Support branch and bank initiatives, contributing to a collaborative and service-oriented culture.
Uphold and model CSB’s commitment to community involvement.
Open consumer accounts (DDA, SAV, MMK, CDs) accurately.
Ensure all client information is updated (address, phone, email, ID).
Assist clients with initial onboarding: Online Banking, e-Statements, Bill Pay, Zelle.
Issue, activate, and manage debit cards (in-branch or by mail).
Perform account maintenance: add/remove signers, POA, beneficiaries, ownership changes, name changes.
Ensure documentation accuracy and resolve QC exceptions in a timely manner.
Troubleshoot and resolve issues with mobile deposit, debit card restrictions/fraud, Zelle, and Bill Pay.
Process mobile deposit limit increases (temporary and permanent).
Reset/unlock Online Banking passwords and MFA security questions.
Respond to Verafin alerts in a timely manner; avoid appearing on Missing Verafin reports.
Assist clients with fraud resolution in compliance with bank guidelines.
Input domestic and foreign wire transfers accurately.
Process CD closures, modeling, and transcodes.
Process IRA openings/closures, ensuring accurate paperwork and transcodes.
Create automatic transfers, deposit rate adjustors, and overdraft protection setup.
Open non-complex business accounts (sole proprietor, single-member LLC, basic nonprofit/corporation).
Perform basic business account maintenance (signer changes, ownership updates).
Partner with Treasury Management and Digital Banking teams to resolve eCorp questions/issues.
Ensure trust accounts and legal documentation are reviewed prior to account opening.