Sr. Universal Banker

Mechanics Bank • Pittsburg, CA

1d • Onsite

About The Position

The Sr. Universal Banker performs a full range of new account transactions, identifies and closes sales and service opportunities for Retail Banking consumer and business customers, and handles senior-level transactions including complex account opening, account maintenance, customer problem resolution, and business lending package reviews. This role may also 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. The individual is expected to be highly knowledgeable in banking products and services, as well as fully compliant with all banking regulations and internal policies and procedures. The position requires delivering excellent customer service and significantly contributing to the branch's sales performance.

Requirements

• High School Degree or GED required.
• 2 years Minimum of 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)

What This Job Offers

• Job Type: Full-time
• Career Level: Senior
• Education Level: High school or GED
• Number of Employees: 501-1,000 employees