UNIVERSAL BANKER

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)

Branch Credit/Ownership (80%)

• Provide exceptional customer service, efficiently and tactfully, to assure customer satisfaction.
• Perform all paying and receiving teller functions.
• Responsible for the safekeeping of any cash or cash equivalent in their possession
• Receive and process night deposit bags.
• Open, balances, and replenishes ATM as assigned.
• Sell and process gift and travel cards. Maintain log and inventory.
• Rent safe deposit boxes; admit customers to safe deposit vault.
• Initiate and follows-up research request.
• Assist with teller balancing as needed.
• Ability to work on Saturday rotation schedule.
• Sell, service, and cross sell products and services, deposit accounts, loan products, transaction accounts, and safe deposit boxes.
• 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 on behalf of customers.
• Initiate debit card disputes on behalf of customers.
• Assists customers with check orders and check order inquiries.
• Issue starter debit cards.
• Provide relief coverage for station to determine appropriate times for lunch and breaks.
• Received, sorts, and forwards incoming mail.
• Type memos, correspondence, reports, and other documents.
• Assist with basic Checking and Internet account inquiries, unless a large amount of time is involved.
• May also assist with other related clerical duties such as photocopying, faxing, and filing.
• Open and close visitor area. Keep hospitality area neat, clean, and stocked with customer information.
• 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.

Customer Service (10%)

• 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.

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

considered.

Experience: Required – 1 to 2 years of experience in banking or related field.

Preferred – 3 to 5 years of experience in banking or a related area.

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.
• Data entry – Proficient alpha/numeric data entry skills.
• Detail oriented – Concentrates on routing work details; careful monitors and examines one’s own and others’work; ensures accuracy in documentation and data.
• Ethical Conduct – Acting in ways consistent with sound banking practices and standards and values of Guaranty Bank.
• Integrity (Core Value) – Always act with integrity and honesty.
• Respect (Core Value) – Always treat others with respect.

Physical Requirements:

Physical requirements needed to perform the above essential duties, with or without reasonable accommodation, may be requested from Human Resources.

General notice:

The bank has reviewed the job description to ensure the essential functions and basic duties are current. This job description describes the general nature and level of work performed by the employee holding this position. It provides guidelines for the job expectations and the knowledge, skills, and abilities necessary to perform successfully in this position. This job description in no way states or implies that these are the only duties to be performed. Additional duties and responsibilities may be assigned by supervisors as deemed appropriate. This position does not constitute an employment agreement between the Bank and employee. This position description is subject to change as the needs of the bank and the requirements of the position change.