Customer Service Representative

Mechanics Bank•Chico, CA

2d•Onsite

About The Position

Mechanics Bank is seeking an on-site Customer Service Representative to perform basic to moderately complex banking transactions under general supervision and in accordance with established policies and procedures. The role provides customer service, processes transactions accurately, resolves inquiries, maintains accounts, offers referrals for additional products and services, and ensures the operational quality of work, including cash balancing and regulatory compliance. Travel is 0–10%.

Requirements

High school degree or GED required; additional experience may be considered in lieu of a degree.
At least 1 year of customer service and cash-handling experience in a customer-facing role required.
Excellent interpersonal skills, attention to detail, and customer service skills.
Ability to work independently and collaborate effectively as a team member.
Ability to make decisions using available information.
Basic knowledge of bank deposit products and services.
Ability to understand customer loan requests and make appropriate referrals.
Ability to understand customer requests for additional services and make appropriate referrals.
Ability to make customers aware of additional products and services and make appropriate referrals.
Knowledge of applicable Bank policies and procedures.
Physical ability to sit, talk or hear, and use hands to finger, handle, or feel objects, tools, or controls; occasionally stand, walk, reach, stoop, kneel, crouch, or crawl; and occasionally lift or move up to 10 pounds.
Close vision is required.

Nice To Haves

At least 1 year of experience in a banking environment with basic knowledge of bank deposit products and services preferred.

Responsibilities

Perform routine teller transactions and assist customers directly.
Accept, verify, and process deposits, withdrawals, check cashing, payments, transfers, and transactions received by mail or night drop in accordance with procedures and security guidelines.
Serve customers promptly while maintaining accuracy and following policies, procedures, and regulatory requirements.
Assist with account reconciliation, statement and check copies, check orders, account closures, address changes, stop payments, debit card maintenance, and safe deposit box access.
Assist at other branches as needed.
Provide courteous, professional customer service in person and over the phone; respond to inquiries accurately and efficiently.
Identify customer needs, explain product and service features, rates, charges, fees, restrictions, and other relevant information, and make appropriate referrals.
Educate customers about mobile and online banking.
Maintain and balance cash supplies, follow cash-handling procedures, and balance cash at the end of each shift.
Review transactions for potential fraud indicators and remain alert to scams targeting banking customers.
Refer unresolved issues to Branch Management or appropriate departments.
Assist with branch opening and closing according to security procedures.
Prepare data, reports, and forms, including Currency Transaction Reports and Reg CC, holds, and overdraft documentation, to support compliance with Bank policies, the Bank Secrecy Act/Anti-Money Laundering requirements, and regulatory programs.
Assist with branch audit functions as requested.
Complete required compliance tasks by assigned due dates.

Benefits

Medical, prescription, dental, and vision coverage for employees and eligible family members.
Employer-paid Employee Assistance Program, life insurance, AD&D, and disability benefits.
Health Savings Account with employer contribution.
Healthcare and Dependent Care Flexible Spending Accounts and commuter/parking benefit.
401(k) and Roth 401(k) with company contribution.
529 Education Savings plan, tuition reimbursement program, and student loan assistance program.
Supplemental health plans and voluntary legal and identity theft services.
11 paid holidays, paid sick days, up to 25 paid vacation days, and 16 hours of paid volunteer time per calendar year.
Free personal checking and savings account.
Discounted rates on primary residence loans with $0 origination fees, subject to restrictions.
Retail Incentive Plan eligibility.
Employees working 25 or more hours per week are eligible for health benefits effective the first day of the month following or coinciding with their hire date.