Universal Banker

Mechanics Bank•Chico, CA

13d•Onsite

About The Position

Mechanics Bank is seeking an on-site Universal Banker to perform basic to moderately complex banking transactions under general supervision, deliver excellent customer service, and maintain operational quality and accuracy, including cash balancing. The role follows bank policies, procedures, and regulations; assists customers; identifies additional banking needs; and supports referrals, account openings, and applications for basic consumer and business lending. The banker works with the leadership team to support deposit growth, business and consumer relationships, and operational soundness. The role processes teller transactions and provides deposit services to individuals, fiduciary customers, and small businesses. It includes opening, maintaining, and closing customer accounts; assisting with account servicing and complex issues; and resolving customer concerns. The banker interviews and profiles customers to recommend appropriate products and services, provides in-person and phone support, and follows up with customers. Responsibilities also include cash handling and balancing, reviewing transactions for fraud indicators, processing ATM and branch balancing tasks, assisting with branch opening and closing, and completing compliance reports and documentation. The position may assist at other branches and has an expected travel requirement of 10–20%.

Requirements

High school degree or GED required; additional experience may be considered in lieu of a degree.
At least 2 years of customer service experience.
At least 1 year of banking and cash-handling experience.
Excellent interpersonal skills, attention to detail, and customer service skills.
Ability to work independently and collaborate effectively as a team member.
Ability to make decisions using available information.
Working knowledge of bank deposit products and services.
Working knowledge of consumer loan products.
Basic knowledge of alternative bank services and vendor-provided products.
Ability to persuade customers by explaining the value and benefits of bank products and services.
Knowledge of applicable bank policies and procedures.
Ability to meet the physical demands described, including occasional lifting or moving of up to 10 pounds.

Responsibilities

Process routine and complex customer transactions, including deposits, withdrawals, check cashing, payments, transfers, and transactions received by mail or night drop.
Provide deposit services to individuals, fiduciary customers, and small businesses.
Open, maintain, and close checking, savings, money market, certificate of deposit, and IRA accounts.
Assist customers with account reconciliation, statement 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 other account issues.
Resolve customer concerns and provide accurate, prompt, and efficient service in person and over the phone.
Interview and profile new and existing customers and recommend appropriate deposit and lending products and services.
Make follow-up calls to customers to support satisfaction and answer questions.
Maintain and balance cash supplies, follow cash-handling procedures, and balance cash at the end of each shift.
Review transactions for fraud indicators and scams, and review accounts before performing overrides.
Obtain, review, and store new-account documentation in accordance with bank policy.
Process and balance ATM activity, daily branch balancing, and cash orders.
Assist with branch opening and closing while following security procedures.
Gather data and process reports and forms, including Currency Transaction Reports, Regulation CC, holds, and overdraft-related items.
Complete required compliance training and follow bank policies, operational standards, and applicable federal and state regulations.
Review others' work for compliance and participate in monthly branch audits or daily operational report reviews as needed.
Work with the leadership team to meet goals for deposit growth, business and consumer relationship growth, and operational soundness.
Assist at other branches as needed; travel 10–20%.
Open basic consumer and business accounts and identify and process applications for basic consumer and business lending opportunities.

Benefits

Medical, prescription, dental, and vision coverage for employees and eligible family members; eligibility for employees working at least 25 hours per week begins the first day of the month following or coinciding with hire.
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, 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.