Join Our Team, Where Accuracy, Service, and Trust Shape Every Customer Experience We're seeking a Universal Banker I to provide prompt, accurate, and professional service to our customers while supporting the daily operations of our Wilmington branch. This role is ideal for someone who enjoys helping others, takes pride in getting the details right, and works well within a collaborative, process-focused team. 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 front-line representative of the Bank in a customer-facing environment Build meaningful customer relationships by providing dependable, courteous, and professional service Develop hands-on experience across customer transactions, account servicing, online banking, and branch operations Work in an established team environment that values collaboration, consistency, and accuracy Gain exposure to multiple areas of banking, including Retail Banking, Operations, Risk, Compliance, IT, Marketing, and Sales Build your banking knowledge while supporting experienced branch teammates and leaders Contribute directly to customer trust, operational accuracy, and a positive branch experience What Makes You a Great Fit Detail-oriented and conscientious, with a strong commitment to accuracy and quality Patient and dependable when completing repetitive or process-driven work Helpful, cooperative, and comfortable working as part of a supportive team Service-oriented and professional when interacting with customers and teammates Thoughtful and cautious when handling financial transactions and confidential customer information Comfortable following established policies, procedures, and security requirements Able to maintain a steady pace while checking and double-checking work Communicates clearly, respectfully, and professionally in person, by phone, and in writing Key Responsibilities Assist customers promptly, accurately, and professionally in person, through the drive-thru, by phone, and through written communication Accept and process deposits and withdrawals for checking and savings accounts Receive and accurately process loan payments Transfer funds between customer accounts and place account holds in accordance with Bank policy Process cashier's checks, stop payments, wires, and other customer transactions Balance the cash drawer accurately at the end of each business day Answer customer questions and complete requested account maintenance Review customer documentation for accuracy and route completed documents to the appropriate department Explain and promote Bank products and services and make appropriate internal referrals Set up and service online banking for new and existing customers Assist with vault cash, reports, drawers, incoming mail, and outgoing mail Support Universal Bankers, Branch leadership, Senior Banking Officers, and Market leadership as needed Complete additional responsibilities as assigned to support customers and branch operations Qualifications Required High school diploma or equivalent Previous clerical, administrative, cash-handling, sales, or customer service experience Relevant computer skills and the ability to learn banking systems and technology Strong organizational skills and attention to detail Ability to work under deadlines while maintaining accuracy and professionalism Strong verbal and written communication skills Preferred Some college coursework Previous Bank Teller or financial services experience Experience with Jack Henry SilverLake or a similar core banking system Risk Management Requirements Adheres to workplace policies, the Code of Conduct, confidentiality, privacy, and information security standards Complies with all applicable regulatory requirements, including BSA, AML, and

USA PATRIOT

Act policies and procedures Completes all required compliance, regulatory, and role-specific training Acts strictly within authorized limits and delegated authorities Follows established controls and procedures to protect the Bank, its customers, and shareholders Mitigates risk by following all applicable security, cash-handling, and operational procedures 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 build a banking career while directly supporting customers and branch operations

Our Core Values Enterprising:

We take ownership of our work and approach each responsibility with sound judgment and accountability.

Intentional:

We deliver careful, consistent work and follow through with accuracy and purpose.

Responsive:

We provide dependable, timely service to our customers and teammates.

Considerate:

We treat others with respect and contribute to a supportive, collaborative environment. #UniversalBanker #RetailBanking #BranchOperations #CustomerService #BankTeller #BankingCareers #WilmingtonJobs #CommunityBanking #FirstCarolinaBank #

ProfessionalCareers 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 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 Assist Branch Supervisor and Universal Banker II in maintaining vault cash, reports, and drawers Answer customer questions and inquiries Perform maintenance on accounts upon customer request 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, and Market Executive/President as needed Assist with other duties as assigned by senior management

Authority, Impact, Risk:

Official Check 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 IIs, 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 Marketing, Operations, IT, Risk, Compliance, Legal, and Sales Strong customer interaction

Managerial Accountability:

Not Applicable 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……………………………50% Assist with teller duties & balancing……….25% Maintenance to Accounts…………………..….15% 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 Previous clerical, administrative, cash handling, sales, or customer service experience Relevant computer skills

Preferred:

Some college JHA Silverlake experience Previous Bank Teller 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