Description

Join Our Team—Where Accuracy, Service, and Trust Drive the Branch Experience

We’re seeking a Universal Banker II to support daily branch operations by delivering accurate, efficient, and professional customer service across teller, account servicing, and transaction activities. This role plays an important part in maintaining operational integrity, supporting front-line teammates, and ensuring customer transactions are processed securely and in compliance with Bank policy and regulatory standards.

As part of our continued commitment to operational excellence and strong risk management, First Carolina Bank is guided by our core values: Intentional, Responsive, Enterprising, and Considerate. These values shape how we serve our customers, support our teammates, and uphold the trust placed in us every day.

Why You’ll Love This Role

• Serve as a trusted front-line representative of the Bank in a customer-facing environment
• Work in a structured, process-driven role where accuracy, consistency, and professionalism matter
• Support daily branch operations, including transactions, balancing, and operational controls
• Provide steady, dependable service in a role with clearly defined expectations and workflows
• Collaborate closely with Universal Bankers, Branch leadership, Operations, IT, Risk, and Compliance partners
• Build long-term banking expertise across teller services, account maintenance, and transaction processing
• Be part of a supportive branch team that values cooperation, accountability, and service excellence

What Makes You a Great Fit

• Detail-oriented and disciplined, with a strong focus on precision and quality
• Comfortable working within established policies, procedures, and regulatory requirements
• Patient, dependable, and steady when managing repetitive and time-sensitive transactions
• Service-oriented and professional when interacting with customers and teammates
• Thoughtful and cautious with risk, especially when handling cash and customer information
• Comfortable working in a fast-paced branch environment while maintaining accuracy
• Communicates clearly, respectfully, and professionally

Key Responsibilities

• Serve customers promptly and professionally in person, by phone, and through written communication
• Accurately process deposits, withdrawals, loan payments, transfers, official checks, stop payments, and wires
• Balance cash drawer and assist with resolving balancing discrepancies
• Assist with vault cash, ATM balancing, night depository processing, and cash shipments (as applicable)
• Support training and cross-training of Universal Banker I teammates
• Assist Branch leadership with audit preparation and ongoing operational controls
• Maintain confidentiality of customer and transaction information at all times
• Verify documentation accuracy and route materials to the appropriate departments
• Promote and explain Bank products and services; make referrals as appropriate
• Support online banking setup and maintenance for new and existing customers
• Assist with additional branch duties and operational needs as assigned

Qualifications

Required

• High School diploma or equivalent
• Minimum of 2 years of banking experience
• Working knowledge of banking laws, regulations, and security practices
• Strong organizational skills with exceptional attention to detail
• Ability to work under deadlines while maintaining accuracy

Preferred

• Some college coursework
• Experience in branch operations or teller services
• Experience with Jack Henry SilverLake or similar core banking systems

Risk Management Requirements

• Adheres to workplace policies, Code of Conduct, confidentiality, privacy, and information security standards
• Complies with all applicable regulatory requirements, including BSA, AML, and USA PATRIOT Act policies
• Acts strictly within authorized limits and delegated authorities
• Follows established controls and procedures to protect the Bank, customers, and shareholders
• Actively mitigates risk by following all security, cash-handling, and operational guidelines

Benefits

• Competitive total compensation
• Comprehensive health, dental, and vision insurance
• Retirement savings plan with company match
• Paid time off and paid holidays
• Professional development and internal growth opportunities
• Employee assistance programs
• Opportunity to directly support customer trust and branch operational excellence

Our Core Values

Enterprising: We approach our work with discipline, sound judgment, and accountability.

Intentional: We deliver careful, consistent work and follow through with precision.

Responsive: We provide dependable, timely service to customers and teammates.

Considerate: We collaborate respectfully, valuing professionalism and teamwork.

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Summary

Position Purpose:

·         This position is responsible for serving customers by managing information, financial transactions, and documents in an organized, efficient, and secure manner.

Primary Responsibilities:

·         Represent the Bank by assisting customers in a prompt, efficient, accurate, courteous, and professional manner in person, through the drive-thru, through email or written communication, and/or over the phone

·         Assist with balancing discrepancies amongst Universal Banker Is

·         Assist Branch Supervisor in maintaining vault cash, reports, and drawers

·         Balance and service ATM (if applicable)

·         Service Night Depository (if applicable)

·         Ensure cash shipments and orders are placed on time

·         Ensure teller line has adequate coverage, especially during short-staffed periods (lunch, vacation, unexpected absences, etc.)

·         Assist with training/cross-training of Universal Banker I

·         Assist Branch Supervisor in overseeing monthly branch audit schedule

·         Accept checks and cash for deposit or withdrawal on savings and checking accounts

·         Receive and accurately process payments for loans

·         Transfer requested amounts between customer accounts

·         Place holds on accounts according to the First Carolina Bank Teller Policy

·         Process Cashier’s Checks, Stop Payments, and Wires as requested by customer

·         Accurately balance cash drawer at end of day

·         Answer customer questions and inquiries

·         Perform maintenance on accounts upon customer request

·         Enter credit card applications into CUE

·         Enter merchant service referrals through the Axiom portal

·         Verify customer documentation is completed accurately and sent to the appropriate department for processing

·         Explain and promote bank products and services to customers

·         Make customer referrals to Universal Banker III and gather requested documentation

·         Set up and service existing and new online banking customers

·         Sort incoming mail and process outgoing mail

·         Assist other Universal Bankers, Branch Supervisor, Senior Banking Officer, Market Executive/President, and Loan Officers as needed

·         Assist with other duties as assigned by senior management

Authority, Impact, Risk:

·         Official Check Authority

·         Wire Signing Authority

·         Check Cashing Authority

·         Comply with all requirements, policies, and procedures of the Bank Secrecy Act (BSA) and attend all mandatory BSA training as needed for this position

·         Complete all required compliance and regulatory training, not limited to BSA

·         Building an understanding of the Silverlake system including online banking platform

Key Relationships:

·         Close partnership with Universal Banker IIIs, Branch Supervisor, Senior Banking Officer, and Market Executive/President

·         Partnership with Managing Director – Retail Delivery, Product Management, & Marketing, Retail Operations Manager, and Retail Operations Specialist

·         Routine interaction with other department heads across Operations, IT, Risk, Compliance, Legal, and Sales

·         Strong customer interaction

Managerial Accountability:

·         Supervise Universal Banker Is if Branch Supervisor is unavailable

Working Conditions:

·         Ability to work in fast paced environment

·         Excellent verbal and written communication skills

·         Ability to work under tight deadlines

·         Ability to operate information terminal and other standard office equipment

·         Ability to foster a positive work environment

·         Limited Travel

Time Allocation:

·         Customer Transactions……………………………35%

·         Assist with teller duties & balancing……….30%

·         Maintenance to Accounts…………………..….25%

·         Verifying and Scanning Documentation….10%

Job Specifications:

Position adheres to confidentiality policy, code of ethics and knowledge of Bank Secrecy Act and best practices and other pertinent Regulatory laws and regulations.

Required:

·         High School Diploma or equivalent

·         At least 2 years of banking experience

·         Relevant computer skills

Preferred:

·         Some college

·         JHA Silverlake experience

Risk Management Requirements:

Understands and adheres to Workplace Policies, Code of Conduct, privacy, and information security guidelines. Understands and adheres to Anti-Money Laundering, Bank Secrecy Act, and Compliance with the USA PATRIOT Act policies and procedures applicable to position, completing any supporting requirements within defined timeframes. Acts within authorized limits and delegated authorities and role applicable policies and procedures. Follows processes and controls to protect shareholder interests. Mitigates risk to the bank and customers by following all applicable security procedures.

Equal Opportunity Employer including Veterans/Disabilities