Sr. Universal Banker

Mechanics Bank•Atascadero, CA

7d•$21 - $31•Onsite

About The Position

Mechanics Bank is seeking a Sr. Universal Banker to work on-site. Under general supervision, this role independently performs the full range of new account transactions and identifies appropriate sales and service opportunities for retail consumer and business customers, including deposit and lending products, banking services, and approved partner products. The position handles senior-level transactions such as complex account openings and maintenance, customer problem resolution, and business lending package reviews. It also supports teller-line operations, cash handling, transaction approvals, and dual-control duties. The Sr. Universal Banker is expected to have strong knowledge of banking products, services, regulations, and internal procedures, deliver excellent customer service, and contribute significantly to branch sales performance. The role provides deposit services to individuals, fiduciaries, and small businesses; opens and closes accounts; assists with account servicing and complex issues; processes teller transactions and loan applications; and may assist at other branches. It builds customer relationships, recommends appropriate products and services, handles follow-up and correspondence, maintains cash and branch security, processes ATM and balancing activities, and completes administrative, audit, and compliance duties. 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 and vendor-provided products.
Ability to persuade customers by explaining the value and benefits of bank services and products.
Knowledge of applicable federal and state banking regulations.

Nice To Haves

Notary license preferred.

Responsibilities

Provide deposit services to individuals, fiduciaries, and small businesses, including opening and closing checking, savings, money market, certificate of deposit, and IRA accounts.
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.
Assist with account maintenance, online and mobile banking, complex account issues, and customer concerns.
Perform routine teller transactions and process deposits, withdrawals, check cashing, payments, transfers, and transactions received by mail or night drop.
Service customers waiting in line efficiently while maintaining accuracy and complying with policies, procedures, and regulatory guidelines.
Receive and process consumer and small business loan applications.
Assist at other branches as needed.
Interview and profile customers to recommend appropriate banking products and services, including deposit, treasury management, and lending products.
Build relationships with current and potential customers to increase deposits and fee income through sales of bank products.
Provide courteous, professional customer service in person and over the phone; respond to inquiries promptly and accurately.
Follow up with new and existing customers to assess satisfaction and answer questions.
Handle complex or unusual customer correspondence relating to services or 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 branch opening and closing according to security procedures.
Gather data and process reports and forms, including Currency Transaction Reports, Regulation CC, holds, and overdrafts, to support compliance.
Complete required compliance training by assigned due dates and comply with internal standards and federal and state regulations.
Review the work of others for compliance and participate in monthly branch audits or daily operational report reviews.
Provide notary services to customers.

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 accrued at one hour for every 30 hours worked, 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.