What are the responsibilities and job description for the Universal Banker III position at First Carolina Bank?
Join Our Team—Where Accuracy, Service, and Trust Drive the Branch Experience
We’re seeking a Universal Banker III to serve as a trusted, experienced resource within the branch—supporting customers, guiding teammates, and ensuring transactions, account servicing, and operational processes are completed accurately and securely. This role plays a critical part in maintaining operational integrity, strengthening customer relationships, and supporting leadership in driving consistent branch performance.
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, senior front-line representative of the Bank in a customer-facing environment
- Take on expanded responsibility, including account management, customer relationship support, and complex transactions
- Support and mentor Universal Banker I and II teammates through training and daily guidance
- Play a key role in maintaining operational accuracy, compliance, and audit readiness
- Collaborate with Branch leadership, Commercial Bankers, Operations, IT, Risk, and Compliance partners
- Build deep expertise across deposit relationships, account servicing, and treasury referrals
- Be part of a steady, team-oriented environment focused on collaboration, consistency, and service excellence
What Makes You a Great Fit
- Detail-oriented and disciplined, with a strong commitment to precision and quality
- Cooperative and team-focused, with a collaborative approach to problem-solving
- Patient and dependable, with comfort handling repetitive, process-driven work
- Service-oriented and professional when interacting with customers and teammates
- Thoughtful and cautious with risk, especially when handling financial transactions and customer information
- Comfortable working in a structured, policy-driven environment with consistent processes
- Communicates clearly, respectfully, and professionally in all interactions
Key Responsibilities
- Serve customers promptly and professionally in person, through drive-thru, by phone, and through written communication
- Open, close, and maintain customer accounts, ensuring documentation accuracy and completeness
- Process advanced transactions including cashier’s checks, stop payments, wires, and account servicing requests
- Manage deposit relationships and support Commercial Bankers, Senior Banking Officers, and Market leadership
- Promote and explain Bank products and services; make appropriate referrals to internal partners
- Assist with treasury referrals, merchant services, and credit card applications
- Support online banking setup and maintenance for new and existing customers
- Train, coach, and support Universal Banker I and II teammates; provide coverage as needed
- Balance cash drawer and assist with teller functions as required
- Assist Branch leadership with audits, controls, and operational processes
- Support general branch operations, documentation routing, and additional duties as assigned
Qualifications
Required
- High School diploma or equivalent
- Minimum of 2 years of banking platform experience
- Strong 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, account servicing, or deposit relationship management
- 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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Position Purpose:
- This position is responsible for serving customers by managing account requests, confidential 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 training/cross-training of Universal Banker IIs
- Process Cashier’s Checks, Stop Payments, and Wires as requested by customer
- Answer customer questions and inquiries
- Perform maintenance on accounts upon customer request
- Open, close, and maintain customer accounts
- Verify customer documentation is completed accurately and sent to the appropriate department for processing
- Explain and promote bank products and services to customers
- Assist Commercial Bankers, Senior Banking Officer, and Market Executive/President by managing deposit relationships with their customers
- Complete ACH and RDC limit increase forms and submit to the treasury department
- Attend networking events as permitted by Branch Supervisor
- Make customer referrals to Senior Banking Officer and Market Executive/President and gather requested documentation
- Make customer referrals to the treasury department and assist with gathering requested documentation
- Enter credit card applications into CUE
- Enter merchant service referrals through the Axiom portal
- Set up and service existing and new online banking customers
- Accurately balance cash drawer at end of day (if applicable)
- Assist with customer transactions if Universal Banker Is and Universal Banker IIs are unavailable
- Sort incoming mail and process outgoing mail
- Assist Branch Supervisor with branch audit schedule if Universal Banker II is unavailable
- 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
- Pay Return decisions up to $1000
- 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 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 Marketing, Operations, IT, Risk, Compliance, Legal, and Sales
- Strong customer interaction
Managerial Accountability:
- Supervise Universal Banker Is and Universal Banker IIs 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:
- Opening/Closing Accounts……………………...35%
- Maintenance to Accounts…………………..…..35%
- Verifying and Scanning Documentation…..20%
- Customer Transactions……………………………..5%
- Assist with teller duties & balancing………….5%
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 bank platform 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