Sr. Universal Banker

Mechanics Bank•Santa Barbara, CA

1d•$22 - $30

About The Position

Mechanics Bank is currently searching for a full time Sr. Universal Banker to join our team at our Santa Barbara Cottage Branch . The Sr. Universal Banker performs the full range of new account transactions according to established procedures. Identifies and closes ethical and appropriate sales and service opportunities for Retail Banking consumer and business customers and prospects, including deposit and lending products, additional banking services and external products through approved partners according to procedure. Performs senior level transactions including, but not limited to, complex account type account opening, account maintenance, customer problem resolution and business lending package reviews. May support teller line transactions, including cash handling and other operational duties such as approving transactions and providing dual control support within the branch as needed. Highly knowledgeable in banking products and services, as well as full compliance will all banking regulations and internal policies and procedures. Delivers excellent customer service and is a significant contributor to the branch sales performance.

Requirements

High School Degree or GED required.
Minimum of 2 years bank operations and sales experience required.
Excellent interpersonal skills, attention to detail, and customer service.
Ability to work independently and collaborate effectively as a team member.
Ability to make decisions and review and approve other employee decisions.
Extensive knowledge of Bank deposit products and services.
Thorough knowledge of Bank's standard loan products.
Knowledge of small business and consumer credit principles and practices.
Extensive knowledge of alternative Bank services and products and vendor provided products.
Ability to persuade, including the value and benefits of using the Bank's services and products.
Knowledge of applicable Federal and State banking regulations.

Nice To Haves

Notary license preferred.

Responsibilities

Represents the Bank and its products and services with pride and enthusiasm.
Senses and responds to customer needs.
Identifies and pursues new or related customer opportunities for additional products and/or services.
Provides comprehensive deposit services to individuals, fiduciary, and small businesses in a retail branch.
Promotes the full range of deposit and lending products and services that best meets the client's needs.
Receives, processes and closes consumer loan and small business loan applications and reviews loan packages for required documentation.
Clarifies to customer basic qualifications for the loan(s), rates, terms and conditions.
Keeps customer apprised of loan application status.
Assists customers with account maintenance, adoption of digital banking channels, and other complex account issues.
Deepen relationships and resolve concerns presented by clients.
Provides teller line support and performs routine teller transactions as needed.
Responsible for maintaining and balancing a cash supply for transactions performed.
Reviews client transactions for red flags and fraudulent items.
Maintains awareness of current criminal scams used against banking clients.
Prevents clients from becoming victims of fraud.
Escalates concerns to management for resolution.
Maintains compliance with established internal operational standards and Federal and State regulations to protect the interest of the Bank and customers; reviews the work of others for compliance.
May lead and direct the activities of Customer Service Representatives and other Universal Bankers.

Benefits

Medical, prescription, dental, and vision coverage for employees and their 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, Voluntary Legal and Identity Theft Services
11 paid holidays, paid Sick days (accrual of one hour for every 30 hours worked), up to 25 paid vacation days, and 16 hours of paid volunteer time throughout the calendar year
Free personal checking and savings account; Discounted rates on primary residence loan with $0 origination fees (restrictions apply)

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