Universal Banker (Merced, CA)

Mechanics Bank•Merced, CA

2d•$21 - $28•Onsite

About The Position

Mechanics Bank is seeking a Universal Banker to work on-site in a retail branch in Merced, California. Under general supervision, the Universal Banker independently performs basic to moderately complex banking transactions and provides excellent customer service. The role is accountable for operational quality and accuracy, cash balancing, and adherence to bank policies, procedures, and banking regulations. The banker helps customers identify appropriate products and services, opens consumer and business accounts, and identifies and processes applications for basic consumer and business lending opportunities. The role works with the leadership team toward goals for deposit growth, business and consumer relationship growth, and operational soundness. The position provides teller and deposit services to individuals, fiduciary customers, and small businesses; handles account opening, maintenance, and issue resolution; and promotes suitable deposit and lending products. It also includes cash handling and security, ATM and branch balancing, administrative reporting, compliance training, and review of operational work. Travel is 10–20%, and the banker may assist at other branches as needed.

Requirements

High school degree or GED; 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 the Bank’s consumer loan products.
Basic knowledge of alternative Bank services and vendor-provided products.
Ability to persuade customers by explaining the value and benefits of the Bank’s services and products.
Knowledge of applicable Bank policies and procedures.

Responsibilities

Accept, verify, and process customer transactions, including deposits, withdrawals, check cashing, payments, transfers, and transactions received through the mail or night drop.
Serve customers waiting in line promptly while maintaining accuracy and compliance with procedures and regulatory guidelines.
Open and close checking, savings, money market, certificate of deposit, and IRA accounts for individuals, fiduciary customers, and small businesses.
Assist customers with account reconciliation, statement and check copies, check orders, account closures, address changes, stop payments, debit card maintenance, wire transfers, and safe deposit box access.
Assist customers with account maintenance, online and mobile banking, complex account issues, and resolution of customer concerns.
Assist at other branches as needed.
Interview and profile new and existing customers to recommend suitable banking products and services, and promote the Bank’s deposit and lending offerings.
Provide courteous, professional customer service in person and by phone; respond to inquiries accurately and promptly.
Make follow-up calls to new and existing customers to check 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.
Ensure new-account documentation is obtained, reviewed, and stored according to Bank policy.
Process and balance ATM activity, daily branch balancing, and cash orders; assist with branch opening and closing under established security procedures.
Prepare data, reports, and forms, including Currency Transaction Reports, Reg CC, holds, and overdrafts, in support of Bank policy, Bank Secrecy Act/Anti-Money Laundering requirements, and regulatory compliance.
Complete required compliance training by assigned due dates.
Maintain compliance with internal operational standards and federal and state regulations, and review others’ work for compliance.
Participate in monthly branch audits or daily review of operational reports as needed.
Work with the leadership team toward personal goals for deposit growth, business and consumer relationship growth, and operational soundness.

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.
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.