Universal Banker I

Southstate Bank•Palm Coast, FL

12d•Onsite

About The Position

The Universal Banker serves as a full-service, single point of contact for SouthState customers’ financial needs in a branch. The position combines Teller and Financial Services Representative (FSR) duties, providing customer service for transactions and account management. The Universal Banker works to attract, expand, and retain customer relationships and contribute to the bank’s financial growth. The role serves customers quickly, accurately, efficiently, and confidentially; learns and explains bank products and services; identifies customer needs; and makes referrals to expand relationships. It also requires compliance with banking regulations, including Regulation CC and the Bank Secrecy Act, and familiarity with customer-facing technology and self-service options. Teller responsibilities include processing account transactions, cashing checks, handling withdrawals and certified checks, balancing transactions, maintaining an orderly work area, following security and audit procedures, and potentially assisting with ATM servicing, branch capture, safe deposit box access, or training new tellers. FSR responsibilities include opening deposit accounts and handling services such as stop payments, wire transfers, and account maintenance. The role also explains procedures, addresses customer concerns, provides courteous service, and maintains accurate and timely branch records and correspondence. The position may include vault or backup vault responsibilities and other duties as assigned. It is typically based at an individual workstation in an open branch lobby within a heated and cooled facility. Travel may be required for meetings or training.

Requirements

At least one year of teller or cash-handling experience.
At least six months of customer relationship-building or sales experience.
Demonstrated expertise in Teller II and basic FSR job functions.
High school diploma or equivalent.
Experience in cash handling, sales, and customer service.
Good interpersonal skills and computer skills.
Ability to read, write, speak, and understand English.
Ability to lift up to 50 pounds and stand and/or sit for long periods.
Ability to access and interpret information on computer screens, documents, reports, and cash denominations, and identify customers.

Nice To Haves

Previous banking experience preferred.

Responsibilities

Serve customers quickly, accurately, efficiently, and confidentially according to South State Bank Service Standards.
Learn and explain the bank’s products and services, including their features, benefits, rules, regulations, and pricing.
Identify customer needs and expectations and make referrals to expand customer relationships.
Follow banking regulations, including Regulation CC and the Bank Secrecy Act.
Develop familiarity with customer-facing technology and discuss and enroll customers in self-service options.
Process transactions for savings, checking, and loan accounts.
Maintain a neat and orderly work area.
Cash checks and process savings withdrawals within assigned limits and procedures.
Sell certified checks and balance transactions daily.
Potentially service or balance ATMs, use the branch capture system, provide safe deposit box access, and assist with training new tellers.
Follow transaction, workflow, security, and audit policies and procedures and understand the operation of security devices.
Open new deposit accounts and handle services such as stop payments, wire transfers, and account maintenance within assigned limits.
Explain bank policies and procedures to customers.
Resolve customer problems and complaints courteously and discreetly, and direct customers with difficult problems to other sources for assistance.
Show appreciation for customers’ time and business and provide a business card if one has not already been given.
Ensure branch records, reports, and correspondence related to customer development attempts are correct, timely, and properly distributed.
Perform vault or backup vault responsibilities when applicable and other duties as assigned.
Attend required training and complete assigned regulatory compliance training and policy acknowledgements.