Universal Banker

About First Palmetto Bank:
Founded in 1904, First Palmetto Bank serves businesses and individuals from our 23 offices located throughout South Carolina. Twice named South Carolina's Best Small Bank by Newsweek, our team takes pride in providing an unparalleled level of customer service and attention.

Position Overview:
The position of Universal Banker is responsible for performing intermediate duties and support related to branch operational activities and financial services; processes all new account transactions; assisting customers in their selection of various accounts and financial services; cross-selling the Bank's products and services; opening, maintaining and closing of all account types; performing branch clerical duties; promoting business for the Bank by maintaining good customer relations and referring customers to appropriate staff for new services The position of Universal Banker also is required to be fully knowledgeable and skilled in the areas of teller, vault, safe deposit, assists in the Bank's Customer Support line, and is required to provide leadership, training and support to less experienced new account representatives and other branch staff members.

Essential Duties:

• Provides support to all assigned areas of branch operations where service or assistance is needed, including new accounts, teller, safe deposit, vault teller and lending.

• Assists consumer and business customers in their selection of various accounts, products and financial services available from the Bank; ensures cross-sell opportunities are presented by applying professional sales techniques.

• Interviews customers to obtain information; establishes proper identification of new customers; determines need and extent of reference investigation; assists customers in completing credit applications.

• Discusses, prepares and processes documents related to the Bank's online banking services.

• Discusses and accepts applications for submission and processing of merchant services.

• Makes decisions regarding the opening of new deposit account; completes forms requiring customer signature(s); checks credit history; accepts initial deposits; prepares all documents and items pertaining to checking accounts, savings accounts and certificates of deposit for processing.

• Operates personal computer to process account activity; determine balances and resolve problems within given authority.

• Assists on-site lender with various loan transactions; consumer, commercial and real estate loan payments.

• May represent the Bank in various community, civic, and community reinvestment functions to further enhance the Bank's image and develop additional business.

• Provides effective customer service by answering customer questions; investigates and corrects errors; and resolves problems or other issues.

• Issues official checks, etc.

• Performs safe deposit duties by opening accounts, controlling access, assisting customers and processing affiliated reports.

• Receives and processes stop payment and hold orders.

• Presents funds received from customer to teller for initial deposits; determines funds availability and obtains receipt for customer.

• Processes credit reports, wire transfers, address changes, check and deposit slip orders, and endorsement stamp orders.

• Records, files, scans documents, updates information and sorts mail or reports as required.

• Gathers data and process various reports.

• Answers branch telephones and directs callers to proper Bank personnel. In addition, will be involved in answering the Customer Support line.

• Completes debit card applications, card ordering and file maintenance.

• Answers questions on statements, renewal notices and interest payments for IRA and certificates of deposit accounts.

• May assist in opening and closing the vault daily; assists in balancing vault currency and coin.

• Cross-trains less experienced branch personnel.

• Types routine letters reports and forms.

• Maintains files, copies and email documents, and orders and distributes supplies.

• Performs official notary service duties.

• Treats people with respect; keeps commitments; Inspires the trust of others; works ethically and with integrity; upholds organizational values; accepts responsibility for own actions.

• Demonstrates knowledge of and adherence to Equal Employment Opportunity (EEO) policy; shows respect and sensitivity for cultural differences; educates others on the value of diversity; promotes working environment free of harassment of any type; builds a diverse workforce and supports affirmative action.

• Assures compliance with all Bank policies, procedures and processes, and all applicable state and federal banking laws, rules and regulations; adheres to Bank Secrecy Act (BSA) responsibilities that are specific to the position.

• Completes administrative tasks correctly and on time; supports the Bank's goals and values; benefits the Bank through outside activities.

• Performs the position safely, without endangering the health or safety to themselves or others and will be expected to report potentially unsafe conditions. The employee shall comply with occupational safety and health standards and all rules, regulations and orders issued pursuant to the OSHA Act of 1970, which are applicable to one's own actions and conduct.

NOTE: This list is not all inclusive and may include other duties as requested by authorized personnel.

Secondary Duties:  
The position of Teller performs duties specific to the position and other functions as assigned with additional training and manager authorization. Some of these include but are not limited to:

• Prepares wire transfers.
• Performs safe deposit box duties by controlling access and assisting customers.
• Receives and processes stop payments.
• Receives and processes check holds as applicable under Regulation CC.

Supervisory Responsibility:

The position of Universal Banker is not responsible for the supervision of any employee(s); however the incumbent is required to provide leadership, training and support to less experienced new account representatives and other branch staff members.

Environment and Physical Activity:

The Universal Banker is in a non-confined office-type setting in which he or she is free to move about at will. It may include some minor annoyances such as noise, odors, drafts, etc.

The Universal Banker in the course of performing this position spends time 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 for this position may operate any or all of the following: telephone, smart phone, copy machines, adding machine (calculator), scanner and image systems, scanning equipment, encoder, money counter, credit card terminal, typewriter, computer terminal, laptop computer, personal computer, tablet, printers, or other equipment as directed.

The work environment characteristics described here are representative of those an employee encounters while performing the essential functions of this job.

The physical demands described here are representative of those that must be met by an employee to successfully perform the essential functions of this job.

Reasonable accommodations may be made to enable individuals with disabilities to perform the essential functions.

Mental Demands:
The Universal Banker in this position must be able to accommodate to 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.

Minimum Requirements:
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.

• Associate's degree (AA) or equivalent from college or technical school; or five (5) years of related experience and/or training; or the equivalent combination of education and experience. Work related experience should consist of a financial institution operations, sales or customer service background. Educational experience, through in-house training sessions, formal school or financial industry related curriculum, should be business or financial industry related.

• Registered with the Nationwide Mortgage Licensing System and Registry as a mortgage loan originator in accordance with the Secure and Fair Enforcement for Mortgage Licensing Act (the “SAFE Act”) (if applicable).

• Intermediate experience, knowledge and training in branch operation activities, terminology and products and services relating to retail and commercial account customers.

• Intermediate knowledge of related state and federal banking compliance regulations, and other Bank operational policies.

• Intermediate skills in computer terminal and personal computer operation; host computer system; and word processing, spreadsheet and account opening software programs.

• Intermediate typing skills to meet production needs of the position.

• Intermediate knowledge of general office practices.

• Basic math skills; calculate interest and balance accounts; add, subtract, multiply and divide in all units of measure, using whole numbers, common fractions and decimals; locate routine mathematical errors; count currency, coin and negotiable instruments in a timely manner.

• Effective verbal, written and interpersonal communication skills with the ability to apply common sense to carry out instructions, interpret documents, understand procedures, write reports and correspondence, and speak clearly to customers and employees.

• Ability to deal with difficult problems involving multiple facets and variables in non-standardized situations.

• Effective organizational and time management skills.

• Ability to work with minimal supervision while performing duties.

• Current driver's license and a vehicle with appropriate insurance coverage if required to drive in the course of performing assigned duties and responsibilities.

Standard Benefits Include:

• Group health insurance, including long-term disability with optional dental, vision, and short-term disability
• Bank-sponsored retirement program
• Paid vacation

First Palmetto Bank is an equal opportunity employer and affords employment to all persons regardless of race, color, religion, sex, national origin, age, marital status, disability, or genetic information. We know that the sky is the limit with the right team in place.