Sr. Universal Banker

Mechanics Bank•King City, CA

6d•$23 - $31•Onsite

About The Position

Mechanics Bank is seeking a Sr. Universal Banker to independently perform the full range of new account transactions and senior-level banking operations under general supervision. The role serves consumer and business customers in a retail branch, offering deposit, lending, treasury management, and other banking services while identifying appropriate sales and service opportunities. The position supports teller-line operations, complex account opening and maintenance, customer problem resolution, business lending package reviews, cash controls, branch security, and regulatory compliance. The role is on-site and may require assisting at other branches; travel is listed as 0–10%.

Requirements

High school degree or GED; 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 by explaining the value and benefits of bank products and services.
Knowledge of applicable Federal and State banking regulations.

Nice To Haves

Notary license.

Responsibilities

Open and close checking, savings, money market, certificate of deposit, and IRA accounts for individuals, fiduciaries, and small businesses.
Assist customers with account reconciliation, statements and check copies, check orders, account closures, address changes, stop payments, debit card maintenance, wire transfers, safe deposit box access, online and mobile banking, and complex account issues.
Perform routine teller transactions, including deposits, withdrawals, check cashing, payments, transfers, and transactions received by mail or night drop, while following procedures and security guidelines.
Process consumer and small business loan applications and review business lending packages.
Interview and profile customers to recommend appropriate deposit, treasury management, lending, and other banking products and services.
Build relationships with current and prospective customers to increase deposits and fee income through appropriate product sales.
Provide courteous, accurate, prompt customer service in person and over the phone, follow up with customers, and handle complex or unusual correspondence about services or new accounts.
Maintain and balance cash; follow cash-handling procedures; review transactions for fraud indicators and review accounts before overrides.
Obtain, review, and store new-account documentation according to bank policy.
Process and balance ATM activity, perform daily branch balancing and cash orders, and assist with opening and closing the branch according to security procedures.
Prepare reports and forms, including Currency Transaction Reports and Reg CC, holds, and overdraft documentation, to support compliance with bank policies and regulations.
Complete required compliance training and maintain compliance with internal standards and Federal and State regulations; review others’ work for compliance.
Participate in monthly branch audits or daily operational-report reviews.
Provide notary services to customers.
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.