Concierge Universal Banker at Guaranty Bank & Trust Company
Guaranty Bank & Trust Company · Oxford, United States Of America · Onsite
- Professional
- Office in Oxford
Job Description
Concierge Universal Banker
Location: | Oxford | Department: | Retail/Cobalt Banking | |
Reports to: | Regional Retail Manager & Cobalt Banking Manager | Positions Supervised: | n/a | |
Employee Classification: | ☐ Temporary ☒ Regular Full Time ☐ Part-Time | |||
FLSA Status: | ☒ Non-Exempt ☐ Salary ☒ Hourly ☐ Exempt ☐ Commission | |||
Position Summary:
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.
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%)
- Client Experience and Service
- 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.
- Loan and Deposit Package Development
- 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.
- Relationship Management & Cross Team Collaboration
- 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.
- Retail Banking
- 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.
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)
- 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.
Position Qualifications
Education: Required – Bachelors degree in Finance, Business, or related field; previous related work experience will be considered.
Experience: Required – 3 + years in private, commercial, or universal banking—or comparable client-facing financial
services role.
Preferred –5+ years of experience in banking or a related area. Proven success assembling loan and deposit packages.
Licenses and Certifications: Required – None
Preferred – Notary, NMLS.
Position Requirements
Competency Statement(s)
- Accountability (core value) – Always do what we say and hold one another accountable.
- Accuracy – Thorough with 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 maintains strict confidentiality.
- Community Development (Core Value) – Always committed to community development.
- Critical Thinking – Apply rules and logic to situations; considers factors beyond the initial information given.
- Data entry – Proficient alpha/numeric data entry skills.
- Detail oriented – Concentrates on routing work details; carefully monitors and examines one’s own and others’ work; ensures accuracy in documentation and data.
- Ethical Conduct – Conducts oneself consistently with sound banking practices and standards, upholding the values of Guaranty Bank.
- Integrity (Core Value) – Always act with integrity and honesty.
- Respect (Core Value) – Always treats 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.
| Frequency | Lbs. |
Sitting | 50% |
|
Standing | 40% |
|
Walking | 10% |
|
Fine Manipulation of hands | 80% |
|
Lifting | Daily | 25 lbs. |
Carrying | Daily | 25 lbs. |
Pushing/Pulling | Seldom | 75 lbs. |
Bending/Squatting | Frequent |
|
Reaching/Overhead | Occasional |
|
Stress Level | High at times |
|
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.
