Concierge Universal Banker

Guaranty Bank & Trust•Oxford, MS

31d

About The Position

Deliver a white-glove, concierge-level banking experience to high-net-worth individuals and business owners by blending deep product knowledge with impeccable service standards to assemble tailored loan and deposit packages, anticipating client needs, and ensuring every interaction reflects the sophistication of the Cobalt brand while playing a key role in providing retail banking services and products to all bank customers.

Requirements

Bachelors degree in Finance, Business, or related field; previous related work experience will be considered.
3 + years in private, commercial, or universal banking—or comparable client-facing financial services role.
Exceptional verbal and written communication—able to convey complex solutions with clarity and poise.
Meticulous attention to detail and documentation accuracy.
Discretion, integrity, and sound judgment when handling confidential information.
Proactive, service-oriented mindset with a flair for anticipating client needs.
Ability to manage multiple priorities in a fast-paced, high-expectation environment
Follow all bank policies and procedures.
Perform other duties that may be assigned and requested.

Nice To Haves

5+ years of experience in banking or a related area. Proven success assembling loan and deposit packages.
Notary, NMLS.

Responsibilities

Greet, onboard, and serve clients with a polished, solution-oriented approach.
Serve as primary day-to-day contact for Cobalt clients, promptly resolving inquiries while maintaining absolute confidentiality.
Coordinate concierge touches (e.g., appointment setting, event invitations, travel & courier services) that enhance the Cobalt experience.
Collect, verify, and organize financial documentation; prepare complete, presentation-ready loan and deposit files for review/approval.
Liaise with credit, underwriting, and back-office teams to ensure seamless processing and timely funding.
Track key milestones, proactively communicating status updates to clients and internal partners.
Partner with Cobalt Bankers, Wealth Advisory, Trust, and Business Services to deliver holistic solutions
Maintain accurate Customer Relationship Management records, client profiles, and service plans
Assist with market events, client appreciation functions, and community engagement aligned to Cobalt’s brand.
Perform all paying and receiving teller functions.
Responsible for the safekeeping of any cash or cash equivalent in their possession.
Open, balances, and replenishes ATM/ITM as assigned.
Sell, service, and cross sell products and services, deposit accounts, loan products, and transaction accounts.
Assist in development of new business by interviewing customers, determining the financial services they desire, explaining to them their alternatives, and referring them to the appropriate staff.
Open accounts by preparing the appropriate documents.
Research and resolve customer problems, acting as the customer liaison between other bank departments when necessary.
Initiate wire transfers and debit card disputes on behalf of customers.
Initiate debit card disputes on behalf of customers.
Continually safeguard the bank’s assets and security of the working environment while processing transactions accurately. All work must be performed within bank guidelines, following bank policies, procedures, and standards of performance.
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 Cobalt Concierge Universal Banker roles and responsibilities relating to each act.
Represent Guaranty Bank & Trust Company professionally, efficiently, and tactfully
Acknowledge and greet customers with a smile, call customer by their name, ask if they need any additional assistance, thank customer at end of every conversation
Ensure continuing development of professional relationships with management and colleagues.
Follow all bank policies and procedures
Answer and assist incoming callers with questions and requests, subsequently route callers, as appropriate.
Receive incoming bank visitors and assist in directing them appropriately.