Relationship Banker FLOAT (Hilton Head Island, SC)

Coastal States Bank; Hilton Head Island (SC); On-site; USD 40,000 - 56,000; Full time

Benefits offered by this job

401(k) & Company Match

AD&D insurance

Bankers School Career Planning

Dental Insurance

Disability Insurance

Employee Assistance Program

Flexible Spending Account

Medical Insurance

Health Savings Account

Life Insurance

Paid Family Medical Leave

Paid Federal Holidays

Paid Time Off

Referral program

Vision Insurance

Job summary

Coastal States Bank in Hilton Head Island, SC is seeking a Relationship Banker II Float to deliver teller duties, account servicing, and digital banking support across branch locations. You will maintain high service standards, open and maintain consumer accounts, and assist with online banking and Zelle.

The role emphasizes strong client relationships, fraud prevention awareness, and adherence to CSB values of Character, Commitment, Service, Trust, and Community.

Qualifications

• High school diploma or equivalent; some college preferred.
• Minimum of 2 years of Retail banking or cash handling experience is preferred.
• Strong interpersonal and communication skills; comfortable with digital banking tools.

Responsibilities

• Open consumer accounts (DDA, SAV, MMK, CDs) and update client information.
• Provide teller services: deposits, withdrawals, transfers, and check handling.
• Assist clients with Online Banking, eStatements, Bill Pay, Zelle, and card services.
• Maintain security and ensure compliance with KYC/BSA procedures.
• Support staffing across branches and ensure high quality client service.

Skills

Client Focus

Operational Accuracy

Teamwork

Adaptability

Values-Driven

Education

4 Year Degree

Tools

MS Office

Digital Banking Tools

Job description

Job Details

Job Location: Hilton Head Island NE - Hilton Head Island, SC 29926

Position Type: Full Time

Education Level: 4 Year Degree

Job Category: Banking

About CSB

Coastal States Bank was founded on the relationships we build with each other and the communities we serve.At Coastal States Bank, we seek dedicated individuals who will strive to be a part of our growth and achieving our values.

This position requires full-time hours Monday through Friday in a professional branch setting.This position in not remote.Pay is commensurate to experience in banking experience.Only qualified candidates will be contacted.

Benefits Include

• 401(k) & Company Match
• AD&D insurance
• Bankers School Career Planning
• Dental Insurance
• Disability Insurance
• Employee Assistance Program
• Flexible Spending Account
• Medical Insurance
• Health Savings Account
• Life Insurance
• Paid Family Medical Leave
• Paid Federal Holidays
• Paid Time Off
• Referral program
• Vision Insurance

About the Role

The Relationship BankerII Floatserves as a key point of contact for clients, this role provides teller duties, account servicing, digital banking support, account maintenance, fraud prevention assistance, and basic business account support while ensuring operational excellence and effective problem resolution. Relationship Bankers build and strengthen client relationships through knowledgeable service, attention to detail, and a commitment to Coastal States Bank’s Core Values of Character, Commitment, Service, Trust, and Community.

This position also serves as a regional resource to float between branch locations as needed to support staffing, client service, operational coverage, and business objectives across the market.

Position Focus Areas

Client Experience & Service Excellence

• 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

Teller & Transaction Processing

• 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.

Security, Compliance & Operational Excellence

• 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.

Team & Community Engagement

• 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.

Consumer Account Opening & Maintenance

• 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.

Digital Banking & Fraud Support

• 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.

Specialized Transactions

• 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.

Business Banking Support

• 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.

QualificationsCritical Success Factors

• Client Focus: Provides exceptional, proactive service to every client.
• Operational Accuracy: Consistently maintains proficiency standards for balancing, reporting, and compliance.
• Teamwork: Actively contributes to branch success and peer support.
• Adaptability: Manages multiple priorities with professionalism and efficiency.
• Values-Driven: Demonstrates CSB’s Core Values of Character, Commitment, Service, Trust, and Community daily.

Preferred Education/Experience/Software

High school diploma or equivalent; some college preferred. Knowledge of basic math. 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.

Training

Responsible for the timely completion of all required compliance training such as BSA, Information Security, and other job specific training as assigned.

BSA Compliance

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.

Additional Requirements

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.

Work Environment/Physical Demands

Professional regulated office environment with adherence to compliance, security, and operational standards. While performing the duties of this position, the team member is regularly required to operate standard office equipment. The team member is frequently required to communicate and perceive. The position is primarily stationary and not substantially exposed to adverse environmental conditions and requires sedentary work such as exerting up to ten pounds of force 5% of the time and a negligible amount of force approximately 95% of the time.