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Universal Banker - Lake Oconee

Job Details

BankSouth Lake Oconee - Greensboro, GA
Full Time
High School Diploma or Equivalent



A Universal Banker will have the ability to provide a quality-driven customer service experience and will possess an engaging, outgoing, and positive personality that will provide a warm and consistently friendly customer experience. Duties will include, but are not limited to: assist customers in preparing new account applications as needed, accurately and timely input of data into the core processing system; assist customers with enrollment process for electronic services including online banking, e-statements, and mobile deposit; provide all proper disclosures and new account documentation to customer; resolution support of errors, disputes, fraud and all general banking inquiries; ask relationship-building questions prior to recommending new products; recommend appropriate products at the point of sale and for future follow up; operate a teller drawer and perform teller functions as schedules dictate; other duties as required.



Cash Management:

  • Balance cash drawer daily to assure accuracy in transactions and notify supervisor regarding any outages
  • Maintain drawer balance limits and sales of excess cash to the vault as needed
  • Complete daily balancing and servicing of ATMs as assigned
  • Issue/maintain logs on all official checks, money orders, gift cards, process redemption of savings bonds according to written procedures
  • Adhere to all basic opening/closing procedures and dual control requirements


Transaction Management:

  • Inspect and verify customer identity through thorough examination and referencing of all documents and identification; verify all endorsements
  • Receive loan payments and savings deposits from customers, address inquiries on accounts, record amounts and dates of payments and other significant information, check customer calculations, validate checks and/or count cash payments
  • Accurately count and authenticate all coin/currency received
  • Accurately and correctly prepare all teller tickets, receipts for night deposits, mail deposits and other documents
  • Properly sort proof work and/or onsite capture items
  • Properly apply placement of deposit holds as needed
  • Complete documentation for suspicious activity reports (SARS) for research and follow up
  • Complete required documentation for currency transaction reports (CTR) reporting


Grow Core Deposits and Expand Customer Relationships:

  • Make outbound calls to new and existing customers as well as prospects from referrals
  • Assist Relationship Managers and Business Development as needed to grow relationships, including attendance at off-site appointments and after-hours events as needed
  • Determine appropriate follow up schedule with customers according to needs identified
  • Refer products and services beyond the normal scope of duties to other business lines
  • Ask Probing, relationship-building questions prior to recommending new products
  • Recommend appropriate products at the point of sale and for future follow up
  • Accurately and timely input of data into the core processing system to include proper identification and verification
  • Assist customers with enrollment process for electronic services including online banking, e-statements, and mobile deposit
  • Provide all proper disclosures and new account documentation to customer
  • Daily and timely input of payment decisions into the core processing system
  • Resolution support of errors, disputes, fraud, and all general banking inquiries
  • Process gift cards and foreign currency requests
  • Provide notary services as applicable

General Banking Tasks:

  • Maintenance of accurate safe deposit box records
  • Adhere to all basic opening/closing procedures and dual control requirements
  • Conduct audits and personal bankers and tellers as required
  • Report any suspicious activities through the proper channels and per Bank/regulatory policy



  • Ensure compliance with all applicable state and federal banking laws and regulations
  • Maintain confidentiality of all customer files and proprietary (physical, electronic, and intellectual) Bank property
  • Satisfactorily complete all required Bank Secrecy Act/Anti-Money Laundering/OFAC compliance training and complies with all regulations that apply within the scope of the position


Key Results Areas:

  • Attain personal and branch growth goals
  • Achieve effective maximization of alternative delivery channels like mobile check deposit, mobile banking, online banking, and e-Statements
  • Prompt, accurate processing of all transactions and accuracy and compliance in processing of all cash and negotiable instruments
  • Exhibit personal accountability for success of branch operations
  • Provide support to all of the Branch teams
  • Minimal occurrence of cash shortages/overages and processing errors
  • Satisfactory service and maintenance of new and existing customer relationships
  • Satisfactory compliance with all internal and external operating procedures, laws, and regulations



Experience & Education:

Familiarity with banking software, banking operations and other technology is key. A high school degree or equivalent is required, college degree preferred. Prior banking experience is a plus, but not required. Prior cash handling and customer service experience is required.


Required Knowledge, Skills, Abilities:

Must have working knowledge of the Bank’s online banking platform and/or be able to demonstrate proficiency within the first thirty (30) days of employment. Equipment/products used, but not limited to: personal computer, laptop computer, copier, telephone, facsimile, voicemail, printer, MS Word, Excel, and Outlook.


Other Requirements:

Satisfactorily complete all required compliance training and compliance with all laws and regulations that apply based on the scope of this position.


Interpersonal Skills:

Courtesy, tact, and diplomacy are essential elements of the job. Work involves personal contact with others inside and/or outside the organization, generally regarding routine matters for purposes of giving and obtaining information, as well as advising or referring, which commonly require shorter discussions.


Physical Requirements:

Perform primarily sedentary work with limited physical exertion and occasional lifting of up to 25 lbs. Must be capable of climbing/descending stairs in an emergency. Must be able to operate routine office equipment including telephone, copier, facsimile, and calculator. Must be able to routinely perform work on a computer for an average of 6-8 hours per day, when necessary. Must be able to work extended hours whenever required or requested by management. Must be capable of regular, reliable, and timely attendance.


Working Conditions:

Must be able to routinely perform work indoors in climate-controlled shared work environment with moderate noise.


Mental and/or Emotional Requirements:

Must be able to perform job functions independently and with limited supervision. Must work effectively as part of a team. Must be able to read and carry out various written instructions and follow oral instructions. Must be able to speak clearly and deliver information in a logical and understandable sequence. Must be able to perform basic financial calculations with accuracy. Must be capable of dealing calmly and professionally with numerous different personalities from diverse cultures at various levels within and outside of the organization and demonstrate highest levels of customer service and discretion when dealing with the public. Must be able to perform responsibilities with composure under stress of deadline, requirements for extreme accuracy and quality and/or fast pace. Must be capable of exercising highest level of discretion on confidential matters.



The information on this description has been designed to indicate the general nature and level of work performed by employees within this classification. It is not designed to contain or be interpreted as a comprehensive inventory of all duties, responsibilities, and qualifications required of employees assigned to this job. Nothing in this job description restricts managements right to assign or reassign duties and responsibilities at any time. Reasonable accommodations may be made to enable individuals with disabilities to perform the essential functions. This job description is not a contract and should not be construed as a guarantee of employment for any specific period of time.


BankSouth is an equal opportunity employer, all qualified applicants will receive consideration for employment without regard to race, color, religion, gender, national origin, age, sexual orientation, gender identity, disability, or veteran status.