Universal Banker

Guaranty Bank & Trust • Burnsville, MS

10h • Onsite

About The Position

The Universal Banker provides retail banking services and products to bank customers and serves as a key point of contact for retail customers. The role handles customer transactions and verifies their completeness while identifying opportunities to develop business with current and potential customers. The position is based in Burnsville, reports to the Branch Manager, supervises no employees, and is classified as regular full-time, hourly, and non-exempt.

Responsibilities include developing customer relationships and business, processing and servicing deposit accounts, assisting customers with banking products and transactions, performing teller duties, and supporting branch operations. The Universal Banker is also responsible for accurate transaction records, cash and vault balancing, and compliance with applicable banking regulations and policies. The position may require overtime and assistance to other departments as needed.

The role requires a high school diploma or equivalent and 1–2 years of experience in banking, insurance, or a related field. A post-secondary certificate or degree in accounting, finance, or business and previous office experience are preferred. A notary credential is also preferred. Key competencies include accountability, accuracy, active listening, confidentiality, community development, critical thinking, data entry, attention to detail, ethical conduct, integrity, and respect.

Requirements

• High school diploma or equivalent.
• 1–2 years of experience in banking, insurance, or a related field.
• Proficient alphanumeric data-entry skills.
• Demonstrated accuracy and attention to detail.
• Ability to maintain strict confidentiality and act with integrity and ethical conduct.
• Active listening and critical-thinking skills.
• Ability to follow banking rules, procedures, and applicable regulatory requirements.

Nice To Haves

• Post-secondary certificate or degree in accounting, finance, or business; experience may be considered.
• Previous office experience.
• Notary certification.

Responsibilities

• Process new account transactions, including preparing account paperwork and applications.
• Identify unmet needs of current and potential customers and offer appropriate products and services.
• Promote new and enhanced products and services, and cross-sell products and services.
• Open, maintain, and close all types of deposit accounts.
• Participate in community events to increase bank visibility and develop business opportunities.
• Assist customers with inquiries and requests regarding existing accounts, products, services, and transactions.
• Assist customers with online banking, mobile banking, remote deposit capture, deposit systems, safe deposit box access, ATM services, and debit card requests.
• Perform teller functions as needed, including processing checking and savings deposits, withdrawals, loan payments, and bonds.
• Respond to basic inquiries about interest rates, service charges, and account histories while complying with disclosure requirements, regulations, and consumer privacy policies.
• Answer incoming calls, assist callers, and route them appropriately.
• Receive bank visitors and direct them appropriately.
• Record transactions promptly and accurately in compliance with bank procedures.
• Balance and replenish the ATM and order cash weekly.
• Balance the cash drawer daily and investigate and resolve discrepancies.
• Sell prepaid travel and gift cards and maintain the related logs and inventory.
• Buy and sell currency from the vault as needed while observing teller drawer cash limits.
• Maintain currency logs and target cash levels, and balance the vault daily.
• Sort and distribute work from other offices and process mail and night depository transactions.
• Operate computers, telephones, copiers, and other bank equipment.
• Ensure compliance with applicable federal banking regulations, including the Bank Secrecy Act, OFAC, Community Reinvestment Act, Americans with Disabilities Act, Right to Financial Privacy Act, Gramm-Leach-Bliley Act, and Federal Reserve regulations.
• Ensure customers understand deposit account rates and FDIC insurance.
• Work overtime as needed, assist other departments as needed, and perform other assigned duties.

What This Job Offers

• Job Type: Full-time
• Career Level: Entry Level
• Education Level: High school or GED