Universal Banker

Guaranty Bank & Trust Company; Greenville (MS); On-site; USD 28,000 - 40,000; Full time

Job summary

Guaranty Bank & Trust Company in Greenville, MS is hiring a Universal Banker to deliver retail banking services and develop new business opportunities with customers. You will process transactions, open and close deposit accounts, promote products, and assist customers with online and mobile banking tools.

The role emphasizes relationship development, accuracy in cash handling, and compliance with banking regulations. Previous banking experience is preferred; a high school diploma is required.

Qualifications

• High School Diploma or equivalent required.
• 1-2 years of experience in banking or related field.
• Preferred – Post-secondary certificate or degree in Accounting, Finance or Business.

Responsibilities

• Process new account transactions and paperwork.
• Identify unmet needs and promote appropriate products.
• Open, maintain and close deposit accounts and cross-sell products.
• Balance cash, sell and handle teller transactions with accuracy.
• Assist customers with online banking, mobile banking, and other services.
• Support branch operations and ensure regulatory compliance.

Education

High School Diploma or equivalent

Post-secondary certificate or degree in Accounting, Finance or Business

Job description

FLSA Status:

Non-Exempt Hourly

Position Summary:

The Universal Banker plays a key role in providing retail banking services and products to bank customers. The

Universal Banker is "Guaranty Bank" to retail customers. In addition to performing a variety of tasks associated with

transacting customer requests and verifying the completeness of retail banking transactions, the Universal Banker is in

the prime position to develop new business opportunities with current and potential customers.

Essential Functions-Primary Responsibilities and Accountabilities (90%):

Reasonable Accommodations Statement

To accomplish this job successfully, an individual must be able to perform, with or without reasonable accommodation, each essential function satisfactorily. Reasonable accommodations can be made to help enable qualified individuals with disabilities to perform the essential functions.

Essential Task Statement(s)

Relationship and Business Development (40%)

• Process new account transactions, including compiling and preparing new account paperwork and applications.
• Identify the unmet needs of current and potential customers and offer appropriate products and services.
• Promote and provide information to customers on new and enhanced products, services, etc.
• Promote and cross-sell exciting products and services to current and potential customers.
• Open, maintain and close all deposit account types.
• Participate in community events to increase bank visibility and develop business opportunities.

Customer Service (30%)

• Assist customer inquiries and requests regarding current accounts.
• Assist with questions or concerns regarding current accounts, products, services or transactions.
• Assist with additional services and products such as online banking, mobile banking, remote deposit capture, other deposit systems, safe deposit box access, ATM and debit card requests.
• Perform traditional teller functions as needed by accurately processing checking and savings deposits, withdrawals, loan payments, bonds, etc.
• Answer basic customer inquiries regarding interest rates, service charges, and account histories while complying with disclosure requirements, regulations and consumer privacy policies.
• Answer and assist incoming callers with questions and requests; route callers appropriately.
• Receive incoming bank visitors and assist in directing them appropriately.

Branch Operations/Ownership (20%)

• Record all transactions promptly, accurately, and in compliance with bank procedures.
• Balance and replenish cash in ATM.
• Weekly cash ordering.
• Balance drawer daily, investigate and resolves out-of-balance conditions.
• Sell prepaid travel and gift cards. Maintain log and inventory.
• Buy and sell currency from the vault as necessary, ensuring that teller drawer cash limits are not exceeded.
• Maintain appropriate currency logs, maintain target cash daily, balance Vault daily.
• Sort and distribute work from other offices, process mail and night depository transactions.
• Operate computer, telephone, copier, and other bank equipment.
• Ensure bank is in compliance with federal banking regulations including, but not limited to Bank Secrecy Act, OFAC, Community Reinvestment Act, American with Disabilities Act, Right to Financial Privacy Act, Gramm-Leach-Bliley Act, the Federal Reserve’s "lettered" regulations, and Universal Banker roles and responsibilities relating to each act.
• Ensure complete customer understanding of rates and FDIC insurance for depository accounts.

Additional Functions-Secondary Responsibilities and Accountabilities (10%):

Additional Task Statement(s)

• Work overtime, as needed.
• Provide assistance to other departments as needed.
• Perform other duties that may be assigned and requested.

Position Qualifications

Education: Required –High School Diploma or equivalent.

Preferred –Post –secondary certificate or degree in Accounting, Finance or Business, experience will be

Experience: Required - 1 -2 years of experience in banking, insurance or other related field.

Preferred –Previous office experience.

Licenses and

Certifications: Required – None

Preferred – Notary

Position Requirements

Competency Statement(s)

• Accountability (core value) – Always do what we say and hold one another accountable.
• Accuracy – Thoroughness and strict attention to detail; does work right the first time; identifies and corrects errors; produces complete and error free work.
• Active Listening – Gives full attention to what others are saying, attentive to others’ ideas and concerns; asks questions to clarify understanding.
• Conceptual Thinking – Notices similarities between different and apparently unrelated situations.
• Confidentiality (Core Value) – Always maintain strict confidentiality.
• Community Development (Core Value) – Always committed to community development.
• Critical Thinking – Applying rules and logic to situations; consider factors beyond the initial information given.
• Detail oriented – Concentrates on routing work details; careful monitors and examines one’s own and others’work; ensures accuracy in documentation and data.