Sr. Universal Banker

Mechanics Bank•Atascadero, CA

5d•Onsite

About The Position

Mechanics Bank is seeking a Sr. Universal Banker to work onsite in a Retail branch. Under general supervision, this role independently performs the full range of new-account transactions, identifies and closes appropriate sales and service opportunities for consumer and business customers, and provides senior-level support with complex account openings, maintenance, customer problem resolution, and business lending package reviews. The role also supports teller-line transactions, cash handling, transaction approvals, and dual-control duties as needed. The Sr. Universal Banker is expected to be knowledgeable about banking products and services and comply with banking regulations and internal policies while contributing to excellent customer service and branch sales performance. The position provides deposit services to individuals, fiduciaries, and small businesses; opens and closes a range of deposit accounts; supports account maintenance and online and mobile banking; processes teller transactions and consumer and small-business loan applications; and assists at other branches as needed. It also involves customer profiling and product recommendations, relationship building, follow-up, cash and ATM balancing, fraud awareness, branch opening and closing, operational reporting, compliance activities, audit support, and notary services. The role requires an onsite work environment and travel of 0–10%. The listed pay range is $21.00–$31.00 per hour, and the position is eligible for the Retail Incentive Plan. Employees working at least 25 hours per week are eligible for health benefits effective the first day of the month following or coinciding with their hire date. The benefits described include medical, prescription, dental, and vision coverage; employer-paid employee assistance, life, AD&D, and disability benefits; health and dependent-care spending accounts; commuter and parking benefits; 401(k) and Roth 401(k) with company contribution; education and student-loan programs; supplemental health plans; legal and identity-theft services; paid holidays, sick leave, vacation, and volunteer time; free personal checking and savings; and discounted primary-residence loan rates with no origination fees, subject to restrictions.

Requirements

High school degree or GED required; additional experience may be considered in lieu of a degree.
At least 2 years of bank operations and sales experience required.
Excellent interpersonal and customer-service skills.
Ability to work independently and collaborate effectively as a team member.
Ability to make decisions and review and approve other employees’ decisions.
Excellent time-management and organizational skills, with attention to detail.
Extensive knowledge of bank deposit products and services.
Thorough knowledge of the bank’s standard loan products.
Knowledge of small-business and consumer credit principles and practices.
Extensive knowledge of alternative bank services and products, including vendor-provided products.
Ability to persuade customers of the value and benefits of bank services and products.
Knowledge of applicable federal and state banking regulations.
Ability to meet the described physical demands, with reasonable accommodations where applicable.

Nice To Haves

Notary license preferred.

Responsibilities

Perform new-account transactions independently and accurately according to established procedures.
Open and close checking, savings, money market, certificate of deposit, and IRA accounts for individuals, fiduciaries, and small businesses.
Assist customers with account reconcilement, copies of statements and checks, check orders, account closures, address changes, stop payments, debit-card maintenance, wire transfers, and safe-deposit-box access.
Support account maintenance, online and mobile banking, complex account issues, and customer problem resolution.
Perform routine teller transactions and accept, verify, and process deposits, withdrawals, check cashing, payments, transfers, and transactions received by mail or night drop.
Process customer transactions promptly while maintaining accuracy and following security, policy, procedural, and regulatory guidelines.
Receive and process consumer and small-business loan applications and review business lending packages.
Assist at other branches as needed.
Interview and profile new and existing customers and recommend suitable banking products and services.
Promote deposit, treasury management, lending, and other approved products and services that meet customers’ needs.
Build relationships with current and potential customers to support deposit growth and fee income.
Provide courteous, professional, accurate, and timely customer service in person and over the phone.
Follow up with customers to confirm satisfaction and answer questions; handle complex or unusual correspondence concerning services and new accounts.
Maintain and balance cash supplies, follow cash-handling procedures, and balance cash at the end of each shift.
Review transactions for fraud indicators, remain alert to scams, and review accounts before performing overrides.
Obtain, review, and store new-account documentation according to bank policy.
Process and balance ATM activity, daily branch balancing, and cash orders.
Assist with opening and closing the branch according to security procedures.
Prepare reports and forms, including Currency Transaction Reports and documentation related to Regulation CC, holds, and overdrafts.
Complete required compliance training and follow internal standards, federal and state regulations, and Bank Secrecy Act/Anti-Money Laundering requirements.
Review other employees’ work for compliance and participate in monthly branch audits or daily operational-report reviews.
Provide notary services to customers.
Make decisions and review and approve other employees’ decisions.

Benefits

Medical, prescription, dental, and vision coverage for employees and eligible family members.
Employer-paid Employee Assistance Program, life insurance, accidental death and dismemberment, and disability benefits.
Health Savings Account with employer contribution.
Healthcare and Dependent Care Flexible Spending Accounts.
Commuter and 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.
Voluntary legal and identity-theft services.
11 paid holidays.
Paid sick days, accruing at one hour for every 30 hours worked.
Up to 25 paid vacation days.
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.