Sr. Universal Banker

Mechanics Bank•King City, 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 a full range of new-account, deposit, lending, teller, and operational transactions according to established procedures. The position serves individual, fiduciary, consumer, and small-business customers; identifies appropriate sales and service opportunities; resolves complex account issues; and supports branch sales performance. It also reviews transactions and employee work for compliance, provides notary services, and assists at other branches as needed. Travel is 0–10%.

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.
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, organizational ability, and 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 products and services.
Knowledge of applicable federal and state banking regulations.
Ability to regularly sit, talk or hear, and use hands to 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 required; work environment noise level is usually moderate.

Nice To Haves

Notary license preferred.

Responsibilities

Open and close checking, savings, money market, certificate of deposit, and IRA accounts, and perform complex account openings and maintenance.
Provide deposit services, including account reconcilement, statement and check copies, check orders, account closures, address changes, stop payments, debit card maintenance, wire transfers, and safe deposit box access.
Assist customers with online and mobile banking and resolve complex account issues and concerns.
Perform teller transactions, including deposits, withdrawals, check cashing, payments, transfers, and transactions received by mail or night drop, following procedures and security guidelines.
Receive and process consumer and small-business loan applications and review business lending packages.
Interview and profile new and existing customers to recommend suitable deposit, treasury management, lending, and other banking products and services.
Build relationships with current and prospective customers to support deposits and fee income; provide service in person and by phone, respond to inquiries, and conduct follow-up calls.
Handle complex or unusual customer correspondence relating to services or new accounts.
Maintain and balance cash, follow cash-handling procedures, review transactions for fraud indicators, 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 branch opening and closing procedures.
Prepare reports and forms, including Currency Transaction Reports, Reg CC, holds, and overdraft materials, and complete required compliance training.
Maintain compliance with bank policies and applicable regulations, review others’ work for compliance, and participate in monthly branch audits or daily operational-report reviews.
Provide notary services and assist at other branches as needed.

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.
Eligible for Retail Incentive Plan.