Universal Banker at Optus Bank in Columbia, SC

Job Type Full-time Description Position Summary: The Universal Banker is an entry-to-intermediate level banking professional responsible for delivering exceptional customer service, accurately processing teller transactions, and supporting basic account opening and account servicing activities. This role serves as a developmental position designed to build foundational knowledge of banking products, systems, regulatory requirements, and customer relationship management. As a mission-driven financial institution, we seek professionals who are committed to creating a positive impact for our customers, communities, employees, and shareholders. The Universal Banker ensures seamless delivery of both in-branch and remote banking services while identifying customer needs and providing appropriate product and service solutions. The role is responsible for handling a variety of retail banking transactions, maintaining operational accuracy, and creating positive customer experiences. The Universal Banker develops foundational sales and relationship-building skills by identifying customer needs, referring opportunities to appropriate business partners, and supporting branch growth objectives. This position reports directly to the Branch Manager and serves as a developmental pathway toward a Relationship Banker position based on demonstrated performance, skill development, and business results. Essential Job Functions/Duties: · Provides the highest level of customer service in all aspects of their duties, including teller transactions, requests for customer service, and other routine and non-routine requests. · Ensures that all internal operations of the branch, including audit functions, security, and adherence to all banking policies and procedures, are executed with the utmost precision. · Perform duties associated with other typical positions in the branch, such as Teller, CSR, TCR, and ATM-related duties. · Promotes a sales culture by acquiring product knowledge to support branch objectives, identifying cross-sell opportunities, and enhancing sales skills. · Support cross-sell efforts and develop foundational sales skills. · Develop basic knowledge of small business products and services. · Serves the customer base personally by managing all customer requests, such as opening new accounts, cross-selling, resolving customer disputes or complaints, explaining bank procedures, and using discretion to make policy exceptions when necessary. · Maintains a high level of knowledge of all branch services and departments in order to refer appropriately within any sales opportunity or client need. · Effectively promotes the Bank's mission and goals by utilizing time management and budgeting skills. · Participate in community organizations and activities to improve the image of the bank and develop new business sources. · Identifies and refers prospective applicants for consumer and commercial loans. · Establishes business contacts and working relationships with appropriate and prospective clients. Relationship and Business Development: · Open new accounts, including the compilation and preparation of documents and applications for new accounts. · Identify the unmet needs of current and potential customers and offer appropriate products and services. · Promote and inform customers about newly introduced and improved products, services, promotions, contests, etc. · Promote and cross-sell products and services to existing and prospective clients, including joint contacts with other departments (e.g., loan referrals, etc.). · Participate in community events to increase bank visibility and develop business opportunities. Customer Service: · Assist customer inquiries and requests regarding current accounts. · Assist clients in gaining access to and making effective use of remote banking services, such as online and mobile banking tools. · Receive and process loan payments, record, and issue transaction receipt. · Receive cash and checks for deposit, verify proper endorsement, validate the accuracy of the deposit slip, record and issue a transaction receipt. · Process cash withdrawals from savings and checking accounts, verify signatures and account balances, examine all checks, bonds, money orders, and savings withdrawals to determine negotiability, record, and issue transaction receipt. · Answer and assist incoming callers with questions and requests, route callers appropriately. · Receive incoming bank visitors and assist in directing them appropriately. Branch Operations: · Balance and transmit transactions, update of customer information, etc. · Record all transactions promptly, accurately, and in compliance with bank procedures. · Conduct all work in accordance with bank policies and procedures and regulatory standards to ensure safety and soundness. · Balance and replenish cash in ATM. · Receive, count, and balance working cash at beginning and end of each shift. · Sort and distribute work from other offices, process mail and night depository transactions. · Operate computer, telephone, copier, and other bank equipment. · Travel to other locations as needed. · Work overtime, as needed. · Help other departments as needed. · Perform other related duties as assigned and requested. Requirements Knowledge, Skills, Abilities and Education: •One (1) to Two (2) years of experience in banking, with previous training and experience in teller work, customer service  work, and knowledge of all bank products and services or equivalent. •Ability to make sound practical decisions based on logic. •Demonstrated willingness to learn sales and relationship management skills •Must possess excellent customer service skills and demonstrate a high level of integrity and honesty in dealing with customer relations. •Must represent the bank in a professional manner that appropriately reflects the OPTUS BANK image. •High level of positive self-esteem, awareness, and self-motivation.